vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against National Star Mortgage Company for their failure to process my hardship assistance paperwork and their decision to foreclose on my home in apparent violation of my rights under federal law, including 15 U.S.C. 1639c, 15 U.S.C. 9057, and 15 U.S.C. 1601.

Details of Complaint : 1. Under 15 U.S.C. 1639c ( Ability to Repay and Qualified Mortgage Rule ), mortgage servicers are required to make reasonable efforts to ensure the borrowers ability to repay before initiating foreclosure. Despite my efforts to submit hardship assistance paperwork to demonstrate my financial situation, National Star Mortgage failed to process or consider this information before foreclosing on my home.

2. Under 15 U.S.C. 9057 ( Foreclosure Moratoriums During Emergencies ), foreclosure actions are restricted under certain circumstances, such as national eme
rgencies. I believe the company did not comply with the protections provided to borrowers under this statute.

3. Under 15 U.S.C. 1601 ( Congressional Findings and Declaration of Purpose ), the Truth in Lending Act ( TILA ) emphasizes transparent and fair lending practices to protect consumers from abusive financial practices. The refusal to process my hardship paperwork and the rushed foreclosure appear inconsistent with these principles.

Despite multiple attempts to submit the required hardship assistance documents, National Star Mortgage : Failed to provide adequate instructions or support for my application. 
Delayed or ignored my submissions. 
Proceeded with foreclosure without exploring alternatives or offering meaningful assistance, despite my demonstrated willingness to resolve the matter.

Supporting Documentation : Attached are the following : Correspondence with National Star Mortgage Company.

Copies of the hardship assistance paperwork submitted.

Foreclosure notices and related documents.

This situation has caused undue stress, financial harm, and potential loss of my home. I trust that the CFPB will take appropriate action to address this matter. 

Thank you for your attention to my complaint. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My problem started on XX/XX/year> when XXXX XXXX XXXX XXXX XXXXXXXX submitted multiple applications for loans I did not authorize, I did not submit, did not activate and did not use. According to XXXX about 9 applications where submitted on that day to check my Credit Report, Synchrony Bank was one of those companies. Synchrony Bank approved two XXXX XXXX for {$50000.00} in my name and XXXX XXXX XXXX XXXXXXXX and another on my husband name and XXXX  Construction & design. I do not know that XXXX, I have never applied for a credit card or a loan with a third party. All my loans and credit cards are with my husband, I don't do it even for my children. Synchrony Bank put XXXX on the credit card and disborsed money to them, I already told them they should collect the money from XXXX. XXXX  company has not done any work for me or on my property. XXXX XXXX not only submitted a fraudulent application for XXXX credit cards with Synchrony Bank but sumitted XXXX other fraudulent payments request for windows work to XXXX XXXX and XXXX XXXX and another payment request to Mosaic for solar panels ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX submitted fraudulent claims for XXXX XXXXXXXX XXXX XXXX ) Synchrony Bank has collected money from me and is now harrasing me for a debt that is not mine. I paid bills because I did not want to make my credit worst ; lost over XXXX points with all the credit checks of XX/XX/year>.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
My western union account was hacked and my debit card was used to make two transactions of the amount of {$200.00} totaling the amount of {$400.00}. I started a fraud case with western union they refuse to help refund my money and just have me going back and forth with XXXX. I just want my money back due to neither company being able to help me I will have to proceed with legal action against western union due to my information being exposed and failure to protect me from this fraud that was done against me. The evidence western union sent my bank says the transaction was made in XXXX, I live in XXXX  and have never been to XXXX. Neither company wants to help me get this resolved just wasting my time calling them trying to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXX XXXX  ; CHARGED OFF ACCOUNT XXXX ; COLLECTION ACCOUNT The reporting of this account ( s ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made a payment in XXXX before I was laid off from my job and looking for a new one and notified the bank that I may fall behind a month while I was switching jobs. Switching jobs took me two months. They refuse to make it financially possible for me to catch up and even denied allowing me to make a payment at one time. Also denied me the opportunity for settlement when I asked them about that. I have also requested validation of this debt such as identifying factors and all customer service fraud department and other call request from me as from XXXX to XXXX I called Bank of America probably over 20 times and Was More than one occasion outsourced to a different countries call center who demanded me to give them my credit card number and my Social Security so I disconnected. Months later, I was able to finally reach somebody in XXXX. Still just demanded that I paid the full balance And insisted that was all they could do for me, even though my credit information was at stake due to them outsourcing Their Work. I have made about four payments on this credit card in the past six months. They close the account in XXXX. And I didnt know it until close to XXXX. And in XX/XX/XXXX They notified me via email that they would be closing the account soon if I didnt pay everything in full by the last day of the month. This is fraud. I am a single mother, and I have worked very hard on my credit. Bank of America credit card Is a scam. I have verbally requested validation of the debt at least four times. Two times through the credit bureau and twice over the phone the last time being about two months ago. Never received correspondence and had verified my contact information

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally dispute duplicate collection accounts reported by Midland Credit Management on my credit report. Details of the accounts are as follows : 1. Account Number Ending : XXXX - Original Lender : XXXXXXXX XXXX XXXX XXXXXXXX. 
- Balance : {$1200.00} XXXX. Account Number Ending : XXXX - Original Lender : XXXX XXXX XXXX XXXXXXXX. 
- Balance : {$960.00} Both accounts are listed under the same original creditor and collection agency but appear to be duplicate entries. This is a violation of FCRA 609 ( 15 U.S.C. 1681g ), as inaccurate or duplicative reporting misrepresents my creditworthiness.

Furthermore, under FCRA 604 ( 15 U.S.C. 1681b ), I did not provide Midland Credit Management with explicit written consent to furnish or obtain my credit information. If such authorization exists, I request immediate documentation of this consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of my personal information. I want the account removed from my report. I received a letter from Equifax Information Services LLC stating that my information was verified and the account was mine, Which is a lie. They did not provide any direct proof or evidence. I have not
done business or signed a contract with XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I was ordered to place an XXXX XXXX on my car. I chose a company called XXXX. 
The XXXX XXXX  was installed on XXXX XXXX. I was charged additional fees the first time I drove car. I do not know if installation was faulty or if the unit was faulty. I called the company and asked for it to be removed the same day. They told me I must have a court order. I went to the installer and he replaced that unit with another company XXXX XXXX as to remain in state compliance. XXXX told me they would wave the fee to remove unit. They billed me anyway. I contacted the company several times with the dates and times of calls along with the names of the individual I spoke with. They have now placed this {$270.00} in collections. I called and asked for removal during the three day period given to me by the state of Tennessee. I called on XXXX XXXX. I paid for one month of service and an additional fee of {$35.00} due to unit being faulty. IC Systems has now placed this account on my credit report. The technician ( installer ) returned unit to the company. My credit report has been very damaged by this.

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 2025-01-08 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

The following accounts have been opened fraudulently in my name : 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  These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief