vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am a consumer in which a loan modification for a mortgage was executed with me as the co-borrower and I was unaware of the transaction and it is unsigned and incomplete mortgage loan modification agreement executed on XX/XX/year>. 

The agreement was signed by only XXXX borrower, XXXX XXXX, and not XXXX XXXX [ XXXX ], despite the requirement that both borrowers ' signatures are necessary for a legally binding contract. The loan documents provided by email from Mr Cooper show there is no signature or date for XXXX XXXX and in fact, there is an X where a signature should be required. This omission of material information and mutual agreement, coupled with the potentially fraudulent information and aggravated identity theft may constitute a deceptive and unfair trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
On XX/XX/year>, I spoke to a representative of XXXXXXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I was checking my report and I saw that several inquiries were made under my name but were not mine on XXXX, Transunion and XXXX. I was able to talk to XXXX and they were able to remove XXXX of them but Transunion and XXXX just ignored me and mentioned I needed to talk to the creditors. The XXXX accounts that are not true are XXXX XXXX which i did open an account in XX/XX/XXXX and is reporting but it shows i applied again in XX/XX/XXXX. That is false no reason to apply for the loan when i was already approved before in XX/XX/XXXX. Same thing with my XXXX  XXXX i have an account from XX/XX/XXXX that i was approved and it says another account was tried to be opened in XX/XX/XXXX So that one needs to be removed. In Transunion is XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX. I have a XXXX Account with XXXX and i just now opened up a personal credit card in XXXX that XXXX in XX/XX/XXXX is incorrect. 

Please help as my I have been a victim of several mail Theft where my mailbox has been left open and also i have picked up my mail on 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 2024-09-03 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:
On XX/XX/year>, I spoke to a representative of XXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : 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 explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My grandmother passed away in XXXX XXXX and her credit cards were put on my credit I need them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These late payments are not consistent with how I usually pay on time.

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine & Weiner Company Inc never contacted me in regard to a debt that allegedly owe them. I have never heard of the company, only saw it come up on my credit report. I do not know where this debt came from and dont appreciate them just putting something on my credit report with no acknowledgment to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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: NV

Complaint narrative:
I did not make this inquiry and it need to be removed immediately

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 2024-09-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Identity Guard sent me an email stating my SSN was found on the dark web.I immediately froze my credit with XXXX and XXXX through their respective web sites within 5 minutes. I tried the same with Equifax but their web site won't process the information. I tried their automated phone system, but it won't allow me to freeze my credit either. I called their customer support twice and was told both times I would have to send them a copy of my ID and SSN card via XXXX to verify my identity because I can't activate the code they sent to my XXXX. I was told this is the law, albeit this verification process was not used with XXXX or XXXX. Nor did Equifax require this documentation of my wife, who was able to freeze her credit on her second attempt via a phone call. So my wife has successfully frozen her credit with Equifax where I'm being treated as a " special case '' apparently. The question comes to mind, is this special treatment I'm receiving because someone has been trying to use my credit score through Equifax? None of their agents have said anything to me about it, and so, if this is the case, all the more this company is lacking in any credibility. Why, if I'm suspicious, would I want to freeze an account? This has been going on for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Also XXXX has deleted this account from my credit report XX/XX/XXXX - XX/XX/XXXX, I need this to be honored across all credit bureaus Account Name : XXXX Account # : 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 2024-09-03 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: WA

Complaint narrative:
The late payments listed here do not align with my usual payment pattern.

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 2024-09-03 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed

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 2024-09-03 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
i never received any notice that this debt could be disputed. under FDCPA XXXX. it is my position that i don't owe this debt nor do i have a contract with XXXX XXXX for them to even attempt to collect on the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: WA

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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Attn : Complaint Division Re : Bank of America , N.A . 
Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX explaining they had not received a bill pay I submitted to be drafted from my account on XX/XX/XXXX and paid to them. 
On, this same date, I submitted a stop payment on my account for this bill pay transaction that was supposedly processed on XX/XX/XXXX in the amount of {$7100.00}. However, unknown to me, this amount was indeed drafted from my account but never cleared and never received by XXXX XXXX XXXX. A customer service person at Bank of America apologized and assured me this would be fixed immediately and issued a case number XXXX for stop payment. 
Today, after reviewing my balance on this account, which I have had for over 50 years with this bank, I notice the funds from the stop payment issued on XX/XX/XXXX were not placed back into my account. Upon review, I called customer service at Bank of America yet again and was told that the person that I spoke with on XX/XX/XXXX did not actually issue a stop payment but that this person would issue it today under case no XXXX and it would take approximately XXXX to XXXX business days for funds to return to my account. 
This is unacceptable and as soon as these funds return to my account, I will be withdrawing all services from Bank of America. I need to know what legal action I have to take against Bank of America as this is an insult to my faithful service with them and I wish for this not to happen to anyone else. 
Please contact me at ( XXXX ) XXXX for any additional information you can provide to help me with this situation. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
on XXXX XXXX, 2024 I applied for a Unsecured credit card with Avant , LLC. The company denied me of my application. they have discriminated against me although they are saying they are not. i asked for proof of the denial and got an adverse action letter. XXXX being discriminated against per the XXXX XXXX XXXX XXXX. in good faith i excised my right to credit and should not have been denied per the XXXX Equal Credit Opportunity act protects me from discrimination, but no avail. This credit is being obtained for XXXX goods and services Making me the creditor.

Company response to consumer: Closed with explanation