vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I made a payment to " mr. cooper '' a service provider that only purchased my loan a few months ago. My bank shows the electronic payment was received on the XXXX so I tried to contact mr. cooper via the number provided on their statement but only an automated system was available, and it would not transfer me to an agent no matter what i did. after 3 days of trying to reach them i finally just decided to pay the loan off so i wouldn't have to deal with them anymore. I requested a payoff through the website, since nobody was available to speak, the payoff included the missing payment of XXXX which was XXXX. I wired the payoff on the XXXX in full and it was received. The website showed the payment sent electronically on the XXXX was also processed on the XXXX which means i should have a credit of {$3300.00} plus mu escrow. The website shows i only have a credit of XXXX and nobody will tell me why. I tried to get answers from the chat option but i was told i had to call, now when i call i can't even get past the first question which is my loan number or ssn as the company seems to have closed my account and provided me no means to resolve my overpayment. I want to make sure you understand, when I say i was unable to reach someone, it wasn't that i simply was on hold for too long, their automated system made it impossible to even be transferred to an agent, it just kept insisting it would help that kept hanging up on me when i didn't pick one of its options. I even tried picking all the options and none except the one where i was experiencing a hardship reached a person, the person i did reach who dealt with hardships said they could not help in any way and i would have to try and call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts 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 explanation
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
Equifax is NOT investigation thoroughly accounts that are been disputed by consumers such as myself. I have contacted Equifax specifically via certified letter ( please see attachment ) concerning the verification of a total of three ( 3 ) accounts that can not be verifiable. The first two accounts are with the company XXXX XXXX. XXXX XXXX, account # XXXX and the second account, XXXX XXXX XXXX. Also, I have disputed online with Equifax requesting to remove the accounts. Due to limitation of choices that a consumer can choose, I chose the best option, account is not mine. 

To do my due diligence, I have reached out to the company, XXXX XXXX, and they sent a total of four ( 4 ) letters. Two for each account ( please see attached ) that indicates, an application was taken over the phone or the internet but could not provide paper copy to send to me to validate the account actually belong to me. The second letter indicating they was not able to provide copies of any documentation associated with these accounts, bearing my signature. In addition, allegedly stating dates and amounts that DO NOT MATCH any information on my Equifax Credit report. ( credit report attached ) I specifically requested Equifax to send me VERIFICATION of how they would conduct their investigation of these accounts. Yet, I have received two updated Equifax credit reports confirmation # XXXX and confirmation # XXXX, which both reports results from the dispute is stated on my credit report now resolved by data furnisher. I DO NOT consent to e-Oscar or any means of automated verification. Which means, after receiving letters from XXXX XXXX, who could not accurately validate these accounts, Equifax did not provide an accurate investigation. Therefore, Equifax CAN NOT AND IS UNABLE TO VERIFY THE ACCURACY of these accounts if they companies are indicating they can not. 

Lastly, I have contacted Equifax specially via a certified letter and via online concerning the account XXXX XXXX. I did my due diligence and reached out to XXXX company, and they provided their response via the CFPB portal # XXXX stating they contacted Equifax XX/XX/2024 to remove their tradeline off my credit report as they have terminated collections on the account ( see attachment ) As of today, Equifax still have not remove this creditor off my report. Equifax has not done a proper investigation and this is a violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: PA

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 2024-09-17 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17 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: AL

Complaint narrative:
In XX/XX/XXXX on XXXX XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On Transunion XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.

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 2024-09-17 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: AL

Complaint narrative:
In XX/XX/XXXX on XXXX XXXX shows as 30 days past due and on Equifax as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on Equifax it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On Equifax in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My loans for XXXX XXXX college started in XXXX where I made payments to XXXX in the amount of {$9100.00}. The loan was then transferred to XXXX in XX/XX/XXXX. I paid {$24000.00} until XX/XX/XXXX. The loan was then transferred to XXXX where I made payments totaling approximately {$9300.00}. Now my loan is being handled by AidVantage and now exceed {$81000.00}. I was told all my payments were only applied to interest. My loans went from {$65000.00} to over {$81000.00}. No one has told me why no principal was ever applied. XXXX had given me no answers as to why my payments are only interest and neither has AidVantage. I really can not afford the payments they have established for me as I am XXXX XXXX XXXX, retired, a veteran, and living off of XXXX XXXX. I have already almost depleted my XXXX to nothing. Actually, I made a few payments to AidVantage.I have decided that until I get an answer as to why my loans never went down, I am not going to pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
I have requested that these inquiries be removed from my credit report because I do not know them. I have attached a list of those not authorized by XXXX XXXX XXXX XXXX. 

Please remove these unauthorized inquiries from my 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 2024-09-17 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-09-17 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: MS

Complaint narrative:
I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Equifax because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Equifax has ignored my efforts to remove this information from my credit file. Equifax is receiving their information from a third party company and has failed to do their due diligence to make sure my credit report is XXXX percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that Pacer and the United states courts do not verify information and I have proof of this. it is the responsibility of the credit bureaus to make sure the information they publish on my credit report isXXXX percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Copied over from complaint ID XXXX ; complaint still awaiting a satisfactory response : I recently noticed Coinbase added support for XXXX XXXX that are sent to Coinbase.com ( Exchange, non-custodial ) account wallets. In response, I tested sending XXXX XXXX XXXX ( XXXX  ) tokens to my Coinbase exchange XXXX address. This transaction was successful, with the " Coinbase 1 '' account moving the tokens and crediting them to my assets in the Coinbase exchange interface as expected ; giving me access to the value of these tokens. However, I'm concerned about previous XXXX  tokens sent to the same address. On XX/XX/XXXX, the " Coinbase 2 '' account removed these tokens, but they haven't been credited to my assets like the recent transaction. I asked Coinbase to please clarify whether these earlier tokens will eventually be credited? If not, I need to understand why this discrepancy occurred, especially as my XXXX address is non-custodial and my tokens are missing. Ill include a few of my account details and transaction signatures below : My Coinbase XXXX address to which the tokens were sent in both instances : XXXX ( link to XXXX XXXX XXXX ) Original XX/XX/XXXX deposit to Coinbase XXXX address : XXXX Subsequent Coinbase initiated transfer of tokens to Coinbase 2 account : XXXX Sum of what's missing/the value of the tokens Coinbase seized without permission : XXXX XXXX  tokens, or around {$790.00}. Coinbase support lacks the technical knowledge and attention to detail to be able to even start addressing my concerns, and there's little to no higher technical support or escalations that can address the funds stolen from my account by the exchange itself. The whole thing reads as them just taking my funds because they could and justifying it by claiming that their previous moving of my funds without permission was somehow a technical glitch when it is fully a conscious decision on their organization 's part as to how to move my cash. Thank you for your prompt attention to this matter and for looking into this complaint for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
An unknown individual was able to open a checking account through Experian and in doing so also change my account information on the membership part of Experian without going through multi-factor authentication of phone or email. And this was done with a credit freeze in place. 

In order to get my account back experian is making me provide three sets of documents including a physical social security card I do not have. In addition it is impossible to talk to anyone at the company- it took over two hours to get in contact with a human. Their automated system kept disconnecting me or directing me to the website.

The supervisor told me it is experians job to make make it so anyone can open an account meanwhile deactivating has to go through this even if it was fradulent

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 2024-09-17 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly 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 2024-09-17 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: TX

Complaint narrative:
Can you help me have the bureau remove inaccurate information I've found that there are tons of incorrect information reported on my file with the bureau. 

The only name that should be reporting is XXXX XXXX XXXX and the only address should be : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation