vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Heres a draft for your complaint to the CFPB : Subject : Complaint Against Mr. Cooper Regarding Loan Reconciliation and Unapplied Funds To Whom It May Concern, I am filing this complaint against Mr. Cooper, my loan servicer, due to their ongoing inability to provide a clear and accurate reconciliation of my loan payments and outstanding balance. Since Mr. Cooper took over my account, I have encountered the following issues that remain unresolved : Inconsistent Reconciliation of Payments : Despite numerous requests, Mr. Cooper has failed to provide a transparent and accurate accounting of the payments I have made and the amounts I owe. The reconciliation does not add up, and I have not been given a satisfactory explanation. 

Unapplied and Misapplied Funds : I have observed random unapplied funds in my account, and it appears that Mr. Cooper is moving money around without my consent. This is both confusing and concerning. 

Forced-Placed Insurance : Mr. Cooper added insurance on my property without notifying me, even though I already have adequate coverage. This has unnecessarily increased my expenses and demonstrates poor communication on their part. 

Unexplained Charges : I am being charged amounts that exceed my loan balance, without any clear justification. This is unacceptable and undermines my trust in their management of my account. 

I expect a lender to maintain accurate records and communicate transparently, but Mr. Cooper has repeatedly failed to meet this standard. I need a knowledgeable representative to provide : A full reconciliation of all payments I have made and how they were applied. 
An explanation for the existence of unapplied funds. 
A justification for the charges exceeding my loan balance. 
Proof of proper notification regarding the forced-placed insurance and an immediate resolution of this issue. 
This situation has caused me unnecessary stress and wasted time. I request the CFPBs intervention to ensure Mr. Cooper complies with their responsibilities as a loan servicer and resolves these issues promptly. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. SEE ATTACHMENTS BELOW

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 2024-11-19 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I formally request that the following accounts and inquiries be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$5200.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/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 2024-11-19 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TU continuously claims they can not verify my identity and locks my account so I can not pull scores or dispute. This has been resolved several times after CFPB complaints and then happens again, despite being given copies of my license and social security card.

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 2024-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I moved out of an apartment XX/XX/year>. This was XXXX XXXX XXXX in XXXX XXXX. Upon moving out, I gave them my new address to forward any balance due. My rent was prorated for 4 days and I went to the office to inform property manager I could not access or pay online, and that I didn't want to have a late fee. I was told to " not worry about it '' and that she would send to my new address, which was provided. I did not receive anything by mail, and it was only a few days ago I checked my credit and had a credit hit for a debt collection. I called the XXXX XXXX to ask why this was. I spoke to someone named XXXX XXXX and she said they no longer manage the property as of late XXXX, but she did say that it looked like no one had made an attempt to send me a balance owed, she also stated that this was contestable. She gave me the number of debt collector ( this was the only information given up until this point ). I called the debt collector and asked them to verify when and by what method they attempted to contact me in regards to this matter. These calls were recorded for my records. I was hung up on twice. I called XXXX XXXX XXXX and was referred to XXXX  attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

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 2024-11-19 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: GA

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 explanation
Consumer complaint received 2024-11-19 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have fraudulent accountS on my credit report, which I reported to MIDLAND CREDIT MANAGEMENT, yet MIDLAND CREDIT MANAGEMENT is not removing these fraudulent accounts. MIDLAND CREDIT MANAGEMENT has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX, XXXX. XXXX, XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
Out of nowhere I am seeing random unidentifiable debt on my account that when disputed only comes back as saying it belongs to me with no proof that I actually does nor what investigation was done. I do not own the account they are referring to that is why I can not identify them yet they are continuing to report inaccurate information on my credit report. I dont have access to all credit reporting platforms for some reason so I will dispute the information for all of them. 

The items in question : {$530.00} Open balance XXXX XXXX XXXX Original creditor {$650.00} Open balance XXXX XXXX XXXX Original creditor

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 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
I was charged {$28.00} to pay the XXXX XXXX XXXX. The XXXX XXXX company sent the bill to a different address in a different State ( Arizona ). Now, the Debt Collector company which is called Linebarger Goggan Blair & Sampson , LLP is trying to collect a debt for the amount of {$320.00} with the {$300.00} as a fee for not paying. I provided them with tons of documents showing them that I have been a resident of Maryland since 2021 and have nothing to do with Arizona address. They sent me a second notice asking me to pay the {$320.00}. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer are deceitful liars. They said that they contacted the insurance company and that the insurance company said I did not have insurance that information is a total lie. I am submitting proof that the insurance company tried to get the bill of sale I also attempted to get the bill of sale for the insurance claim but Santander never provided it. I tried numerous times to get this information from them so I could give it to the insurance company even though they were listed as the lien holder and they could have got it from the insurance company directly. This was not my responsibility. I recently disputed this with CFPB and the case was closed I have new information so please reopen it and reverse the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my Consumer Reports and notice that i had two late payments on an account that I have never been late for Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account. 

Please investigate and provide proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks Had autopay set up on account and changed account in XX/XX/year> and again in XX/XX/year> that was out of my control due to banking issues and account changes. 

I paid the balance, and accounts are current and have been current to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with XXXX XXXX, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-19 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I have this account reporting on my credit report XXXX XXXX opened on XX/XX/year> amount 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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi, XXXX XX/XX/year> Jefferson Capital XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account name XXXX XXXX account number XXXX previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation