vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have a Mortgage with Mr Cooper. I have been paying my Mortgage on time. I have been receiving calls and mail for people wanting to purchase my home because it's under Foreclosure. I have also received mail from lawyers wanting to help with Bankruptcy. I wrote an email to Mr. Cooper and asked them to set the record straight. They have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have been making payments since XXXX  and most of my payment is not being applied to the prinicial it all going to the interest! for example my payemnt is XXXX and the rate is 12 % fixed.. they will apply XXXX to the principal and XXXX goes to the intrest rate. Its not an adjustable rate why are they doing that?. My payment is also being broken up into like 3 payments on some months. I also signed up for gap insurance got charged XXXX and the bottem of the truth in lending it says n/a but there is also an initial next to this.. I dont know if i even have gap insurance. I know i was charged for itXXXX  This has been on going for years. I purchased this car for XXXX on the sales sheet it says XXXXXXXX XXXX XXXXXXXX when i call about this i get no where. They try to talk i dont know what i am talking about when i ask about the rate and think they are talking in circles around me and then say someone will call me back and no one ever does.. the stress this causing me is crazy! they are charging more then 12 % and the breakdown i will submit to u will show u what im talking aboutXXXX Please help me they also have my names spelled wrong and i told them 3 times at the dealership my name was spelled wrong.. also the engine blew up in it and i had to pay close to XXXX to get a new engine put in it the finance company is ally financial accunt number is XXXX and the dealership was XXXX XXXX in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-15 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control
what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have an auto loan with Wells Fargo which began in XXXX of XXXX. I didnt really notice much until this month when I went to pay my weekly bill ( I budget and have been trying to pay weekly to cut down the daily interest so more goes towards my principal. ) It is currently XX/XX/XXXX and my next due date is not until XX/XX/XXXX. When I logged in today to put in my weekly payment I saw my next due date is XX/XX/XXXX with a payment of {$580.00}. My monthly payment is around {$550.00} XXXX a few dollars so I was surprised to a see a higher amount due when I have been paying in advance for most of the loan. I checked my statements and dont see where the extra money is being added from. The app just says past due amount {$42.00} but Im not sure where that came from since Ive never been late and have been paying in advance!

Also, when I see my payments, the breakdown of amounts that go to interest vs principal are always different. The dates are also different from when I submit them to when they are posted. It seems they count only business days ( as I pay weekly, its ever 7 days but the dates on the app for payments show a 5 day difference when I was consistently paying weekly ). Some weeks I dont pay every 7 days but the times I have, the numbers still dont add up.

Theres never a correct breakdown and I just dont know where my money is going or why i have unknown and inaccurate fees!

I just found out Wells Fargo is notorious for mishandling auto loans and not billing correctly which is why Im reporting this. Please help!

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 2024-08-15 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CarMax, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> CarMax XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Charge-Off on Account No. XXXX Dear CarMax, I am writing to formally dispute the charge-off that appears on my credit report for the above-referenced account. According to my records, the amount charged off is {$8400.00}, and the past due amount as of XX/XX/year> is listed as {$8000.00}. I request that you investigate this matter and provide verification of the account details and the validity of the charge-off. Specifically, I am requesting : 1. A complete payment history, including any missed payments leading up to the charge-off. 2. Documentation supporting the amount charged off and the amount past due. 3. Copies of any correspondence or communication sent to me regarding this account prior to the charge-off. I believe there may be inaccuracies in the reporting of this account, and I am requesting your assistance in resolving this matter promptly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate information corrected or removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt. If you are unable to validate the debt, you are required to remove the charge-off from my credit report and cease all collection activities. Please acknowledge receipt of this letter and inform me of the steps you will take to investigate my dispute. I look forward to your response within 30 days, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
My identity has been stolen and used to open fraudulent cards in my name and loans. I have checked my credit and noticed fraudulent accounts, inaccurate personal information and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity has been stolen and used to open fraudulent cards in my name and loans. I have checked my credit and noticed fraudulent accounts, inaccurate personal information and inquiries.

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 2024-08-15 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-15 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: IL

Complaint narrative:
I request your support in dealing with this wrong account on my credit report. I have brought this to your notice because it has tarnished my reputation, and I require your help. The incorrect details on my credit report have caused significant damage to my reputation. It is essential that these inaccuracies be corrected so that I can live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-08-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
my identity was stolen and several accounts were opened in my name including these.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to provide me with an updated credit report, despite my repeated attempts to contact them. I requested an updated credit report from TransUnion through their official website, but they do not have the correct information. Despite the statutory requirement to provide a free annual credit report, I have not received any response or update from TransUnion. 

I have made several attempts to contact TransUnion via phone and email to resolve this issue, but I have been unable to reach a representative or receive any form of communication from them. This lack of response is not only frustrating but also a violation of my rights as a consumer. 

The failure to provide me with an updated credit report has caused me significant inconvenience and stress, as I am unable to monitor my credit status and take necessary actions to protect my financial health. 

I kindly request that the Consumer Protection Bureau investigate this matter and take appropriate action against TransUnion to ensure they comply with their legal obligations. I also seek your assistance in obtaining my updated credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Yours sincerely, 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XX/XX/year> I RECIVED A CHECK FROM TITLE COMPANY AS A PART OF MY CLOSING PROCEEDS XXXX XXXXTHIS CHECK WAS FROM CHASE. I HAVE A CREDIT CARD WITH CHASE ACCOUNT. I DEPOSITED PROPERLY IN MY CREDIT CARD ACCOUNT. ON XX/XX/XXXX BANK RETUN THE CHECK WITH OUT CASHED. I WENT TO THE BANK AND REQUEST THE REASON. BANKER CALLED THE CREDIT CARD DEPARTMENT AND NO ONE HAS ABLE TO GIVE ANY EXPLANATION. I WASN'T ABLE TO REPLACE WITH ANOTHER CHECK BECAUSE THE CREDIT CARD SHOW BALANCE {$0.00}. As per banker XXXX i wait until XX/XX/year> to replace the check. I GOT ANOTHER CHECK FROM TITLE COMPANY AND DEPOSITED IN MY CREDIT CARD ACCOUNT. THIS CHECK CLEARED. BUT ON XX/XX/year> CHASE CLOSE MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00}

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My identity was stolen and several accounts were opened in my name including this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request your support in dealing with this wrong account on my credit report. I have brought this to your notice because it has tarnished my reputation, and I require your help. The incorrect details on my credit report have caused significant damage to my reputation. It is essential that these inaccuracies be corrected so that I can live with my family.

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