vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
The account was opened without my consent on XX/XX/2023 the amount owed in my credit report is {$3000.00} I haven't taken any actions yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : XXXX Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b

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 2024-06-30 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: NC

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Company Name : CONTRACT CALLERS NO ADDRESS NO ACCOUNT NUMBER Amount claim to be owed : {$270.00} I Have no acknowledgment of who this company is nor do I have any information about this company but they flagged my account and indicated that I owe them money and I have never been lent nor have I ever signed any agreement to owe this company such debt. This company is violating my consumer rights and I demand That this negative account get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased XXXX items ( XXXX XXXX ) from XXXX, later returned XXXX of them in compliance with their return policy, and requested a refund for the XXXX returned items. 
On XX/XX/2024, the merchant credited my account XXXX for XXXX item only ( item 's original price minus prepaid shipping cost I believe, which I don't dispute ). My email inquiry to the merchant remained unanswered, and on XX/XX/2024 I opened a dispute with the credit card company for the remaining XXXX. 
On XX/XX/2024 the credit card company closed the dispute in favor of the merchant and notified me : " A letter detailing your dispute resolution will typically be available in your Notices & Letters within XXXX hours ''. 
As of XXXX, there is no letter addressing my inquiry. My additional request for clarification sent by email to XXXX on XX/XX/2024 remains unanswered.

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 2024-06-30 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-06-30 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: GA

Complaint narrative:
Company Name : Mr. Cooper ( formerly known as XXXXXXXX XXXX ) Loan Number : XXXX Complaint : I am writing to file a formal complaint against Mr. Cooper regarding my mortgage loan, number XXXX. Since my loan was transferred to Mr. Cooper in XX/XX/XXXX, I have experienced significant difficulties communicating with the company and have faced unjustified and burdensome increases in my monthly payments. 

In XXXX XXXX, I was notified that my monthly payment would increase by {$800.00} in XXXX. I have made numerous attempts to contact Mr. Cooper by phone, through their online portal, and via email to discuss this issue, but I have been unable to reach a live representative. When calling, I am repeatedly routed back to the automated system, and on the one occasion I reached a live person, I was told the system was down. 

The complaint research department has promised to have someone call me back since XX/XX/XXXX, but no one has. Today, I received notification that my mortgage payment will increase again, this time by an additional {$100.00}. 

I am currently facing financial hardship due to over {$80000.00} in medical bills related to a XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX and XX/XX/XXXX. These unexpected payment increases are causing me immense stress and hardship. 

I have requested that Mr. Cooper reassess my escrow and spread any arrears payments over 24 months to alleviate the burden caused by their failure to charge the correct escrow amount. To my knowledge, no reevaluation has been done. 

During the one phone conversation I had with a representative, I was told the system was down, but they agreed to reduce my payment to {$3100.00} per month and promised to call me back. This never happened, and my payment was not reduced. 

My original mortgage payment was approximately {$2800.00}, which increased to {$3500.00} in XXXX and is now set to increase again to {$3600.00} on XX/XX/XXXX. I was only notified of this latest increase this week, despite the previous increase not being resolved. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist me in obtaining a resolution. I urge Mr. Cooper to reassess my escrow, spread arrears payments over a longer period, and reduce my monthly payments to a manageable amount given my current financial hardship. Additionally, I request that Mr. Cooper improve its customer service practices to ensure borrowers can reach live representatives when needed. 

Thank you for your attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year>, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and here is my tracking number : XXXX XX/XX/year> they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/year> SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY XXXX. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Received notice of increase on Macy 's account to 34.49 %. Excellent credit, so it might be worse for others. This is usury. I am old enough to remember interest in the low XXXX when the fed rate was more than double what it is now. I hear that many department stores are doing the same. Seems coordinated. Investigation requested.

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 2024-06-30 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: FL

Complaint narrative:
Can you erase these inquiries? I am not informed about them, and the company proceeded without my authorization.

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 2024-06-30 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: NC

Complaint narrative:
Why until now these XXXX accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX  for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of XXXX  accounts that I want 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 2024-06-30 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: OH

Complaint narrative:
I reviewed a my credit report and noticed fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting.

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 2024-06-30 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: NC

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX  for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had a hair appointment to get my hair braided. I had to secure my appointment by sending a deposit. Turns out it was a scam. I tried contacting the merchant but they blocked me. I tried contacting my bank but they refused to give me my money back and cancel the transaction. I tried contacting XXXX but they refused as well. I just want whoever was behind that phone screen and locked away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NV

Complaint narrative:
REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: NV

Complaint narrative:
REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF 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 2024-06-30 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: IN

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My Chase Checking Account was suddenly closed without any reason around XX/XX/2024. Chase promised to send the remaining balance in my account via a check to my address. On XX/XX/XXXX, I called Chase customer service and was informed that the check had been approved and I would receive it in about a week. However, half a month later, I still hadnt received the check, so on XX/XX/XXXX, I called Chase customer service again. The representative again told me that the check had been approved and I would receive it within a few days. I expressed my concern that I would be moving at the end of the month and was worried that I wouldnt receive the check before moving. The representative assured me that I would definitely receive it. However, by XX/XX/XXXX, I still hadnt received the check, and the customer service representative gave me the same responsethat the check had been approved and I would receive it in a week. I am fed up with the lies from customer service and hope to receive the check as quickly as possible before I move.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I am making this claim because, my credit report shows a credit card that is not mine and it does not even have my name or any information about me.But it is there affecting my credit score, I made a claim to equifax, and results were that the card is mine.Then I called the bank who own the account and they say they cant find anything about me or the account.I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information according to the XXXX Compliance Reporting Standards and FCRA, If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and Midland Credit Management including the original contact between me and Midland Credit Management within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. THANK YOU!

Company response to consumer: Closed with explanation