vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I called XXXX credit card company to ask if they could assist me in anyway while I'm experiencing a financial hardship, I was told that I would receive an email about my request within XXXX hours, I then opted out of the autopay on the account, I never received any email. 
On XX/XX/year>, a payment was taken out of my checking account, I called to inquire about the hardship and how they were able to deduct money from my account without being enrolled in the autopay, I was then told by chat that they could do nothing for me concerning my financial hardship and they had no answer about how money was with drawn from my account being that I was no longer enrolled in the autopay, I then deleted my checking account information from the XXXX system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, a charge of {$XXXX} was made to my business account card, listed as " XXXX XXXX. '' A second charge of the same amount occurred on XX/XX/XXXX. These transactions were not authorized by me and were inconsistent with the intended use of my business account, which I strictly use for business operations or utility payments. 

I noticed these charges on XX/XX/XXXX, when my account balance was unusually low. I immediately contacted Chase Bank to report the transactions as fraud. XXXX provisionally opened a claim and began investigating. However, on XX/XX/XXXX, I was informed that XXXX denied the claim because the merchant provided evidence, including a signed agreement, along with personal information such as my name, phone number, address, and email, which matched my business account details. 

The signature on the agreement provided by the merchant was generic and not mine. At the time, I could not explain how my personal information was obtained, as my card was in my possession and not shared with anyone I know. 

Upon further reflection, I recalled that my phone had been hacked after I clicked on a phishing email in late XX/XX/XXXX. After clicking the link, my phone began behaving unusually, leading me to change passwords and eventually reformat the device in XX/XX/XXXX. I believe this breach compromised my personal and payment information, enabling unauthorized use of my card for the merchants charges. 

After XXXX denied the claim, I contacted the merchant via email and requested a reversal of the charges. Despite my explanation and multiple requests for evidence of authorization, the merchant refused to provide the same documentation they sent to the payment processor, denying my request for the documents not once, but twice. This lack of transparency has made it impossible for me to verify their claims or understand the basis for their refusal to refund the unauthorized charges. 

This situation involves a service I did not knowingly sign up for, use, or benefit from, and the charges have severely impacted my business funds. I am seeking assistance to resolve this issue, as I did not authorize these transactions and have taken all possible steps to protect my accounts since the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I moved out of my apartment at XXXX XXXX XXXX in XXXX XXXX. After I moved out I received a letter stating that I owed {$XXXX} I called the apartment and they lied. I went over each part of their complaint and told them I had proof and pictures that these charges were false. Later I found out that they attached this to my credit report. I contacted Equifax and told them that these charges are false please investigate and remove this. 

Equifax told me that the charges were real and refused to remove them. I said what XXXX XXXX XXXX did you contact. XXXX XXXX Apartments didn't go to court. There are no court documents. They just went straight to a debt collector and then you guys put this on my credit report. 

How can someone say you owe them money and not have to prove it and then have it placed on your credit report without you not having a chance to show that it's false? 

I have other documents and emails to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been submitted my identity theft report XXXX  times this month and this is the XXXX time i am sending. Equifax stated they don't have my identity theft report from FTC even though I uploaded it to the CFPB XXXX each time. XXXX/XXXX/XXXX  Spoke with Equifax supervisor yesterday XX/XX/year> and did nothing but give me the runaround. supervisor after XXXXXXXX XXXX XXXX  Equifax is purposely keeping illogical and non-factual information on my credit report. 
Then Equifax keeps changing the status of XXXX XXXX status all the time. 

This is my XXXX if not more request to them and still not corrected. 

EQUIFAX TO EMAIL TO ME CONFIRMATION RECEIPT OF MY IDENTITY THEFT FORM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
In XX/XX/year>, I reached out to Dovenmuehle Mortgage to see if there was any assistance I could get with my Mortgage. I saw the writing on the wall that I was going to be late with my Mortgage and knew it was best to reach-out sooner than later. XXXX was my first missed payment. 

An Application was submitted over the phone for Loss Mitigation Assistance. I was also mailed a packet with additional information Dovenmuehle requested. 

There were some technical issues, but after I work through them with Dovenmuehle 's IT department, I logged in to Dovenmuehle 's portal and uploaded the documents they requested on XX/XX/XXXX. 

I had been away for the XXXX XXXX, and when I returned home, I had a letter from Dovenmuehle dated XX/XX/XXXX that said my request for assistance was rejected because I was not 90 Days late. The letter stated I could appeal the denial. 

I appealed the denial immediately and they came back and said I still needed to wait 90 Days before they could begin to review and offer any assistance. 

I reached out to a HUD Approved Counselor XXXX XXXX XXXX XXXX ) who said that Dovenmuehle was not following the legal requirements for Assistance and that they should be working with me immediately upon reaching out in-lieu of making me wait 90 Days, which is 30 Days before they can begin Foreclosure proceedings. 

If XXXX had a conversation with me in XXXX and mentioned I would not be able to get assistance, I may have put the house up for Sale. However, they've provided me with hope that I can keep my home and have strung me along to a point where I am in a deeper hole, scared, and uncertain as to what is going to happen next. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
Vanderbilt has been taking property taxes from my mom for the last four years when at the age of XXXX they should have stopped she passed away when she was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictio
ns of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven yea
rs.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This property was not in livable condition and violated my tenant 's rights, so I was instructed to withhold the rent. 

I shared photos and videos of the property with the property management company XXXXXXXX XXXX. They refused to make the repairs for over a year. We went to court and agreed to mediation, during mediation I was instructed to agree to the amount owed and that they would make all the repairs to the property ; fix all the water leaks, and remove the XXXX \ ; but, they said not to bring this up to the judge because then they would not get the XXXX assistance. fast forward a year later they did not complete the repairs so I called the city of XXXX XXXX out to inspect the property they condemned the property and we had to vacate the premises immediately ; only taking the items we could fit in our vehicles. Since, they have been hit with a class action lawsuit for this exact situation this collection company has been reporting this account to my credit report, while XXXX XXXX has closed this account and accepted responsibility and not asking for the court order debt to be satisfied. This collection company bought this account and is attempting to collect a debt that the original creditor has deemed it is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My old friend and roomate opened stuff up in my name without permission, I just want this stuff taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XXXX, XXXX they told me it was off my credit report and it never was removed at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, XXXX, XXXX they told me it was off my credit report and it never was removed at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have paid a lot in overdraft fees and I can't afford them. Unfortunately Navy Fed allows the purchases or payments to go through and I'm sitting holding an empty bag with even more owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile XXXX XXXX  : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXXXXXX XXXX XXXX This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile : XXXX : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
dear sir or miss when change XXXX  between mortage company, then without notice nor consent, they added escrow fee unknown. then they force me to pay monthly payment inclluding escrow fee. 

once again last XXXX  years i have been added and made renewal insurances but they said it is not useful or in valid or never understandable words and keep charging me. kindlly review all docuemnt today attached one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

Company response to consumer: Closed with explanation