vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-10 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your 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 non-monetary relief
Consumer complaint received 2024-12-10 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your 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 2024-12-10 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: AL

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 2024-12-10 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: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
They wife and I did not consent to any hard credit pulls from Mr. Cooper and its affiliates. There we re two hard inquiries on XXXX of XXXX  that we didn't give permission for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan was recently transferred to MR. Cooper from XXXX. There was no communication from Cooper. I know it takes time to transfer so I waited until the XXXX to try to access my account ( no website info was provided ), but couldn't create an online account. I attempted to call Mr. Cooper but no one would answer the phone, only a computer. I need to speak to a person in regards to not having access. After going around in circles with the computer, I had to call my old loan officer who informed me there is a delay in the transfer. 

So I finally received emails from Cooper yesterday and have online access. They also said they received my payment on the XXXX but it is now the XXXX and there are no pending transactions from my bank account. I attempted to call again, and same computer dance. This is unacceptable. I should be able to talk a person in regards to an issue. The computer can only take payments and give account info, not fix issues or answer inquires.

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 2024-12-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX  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 XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
I am XXXX XXXX, and I authorized this dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to my credit report. These issues include : Willful Noncompliance ( FCRA Section 616 ) : You accepted and reported credit information without verifying its accuracy, violating FCRA rules.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : You did not inform me of my right to opt out of sharing personal information, misleading and violating my rights.

Furnishing Deceptive Forms ( FCRA Section 623 ) : Inaccurate accounts and inquiries were reported without validation.

Debt Collection Practices Act Violations : Unfair and harassing practices occurred, including reporting inaccurate debts and contacting third parties improperly. 
Misrepresentation of Late Payments : " Late payments '' were reported inaccurately without clear definitions. 
Finance Charge Errors : You failed to determine finance charges accurately. 
Unlawful Reporting Without Consent : You reported information without my written authorization, breaching permissible purposes under the FCRA. 
I have detailed specific accounts that require validation under 15 U.S. Code 1692g, including proof of original contracts or applications bearing my signature. Failure to provide proper validation will require these entries to be deleted as mandated by law. Additionally, for several accounts, I demand corrections to ensure accurate reporting, such as updating late payments to " paid as agreed. '' I expect immediate resolution of these violations and deletion of unverified or inaccurate information from my credit report. If these issues are not resolved promptly, I am prepared to pursue legal remedies as allowed by the FCRA and other applicable laws.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint personally, with no third-party involvement. I have attached letters that provide more detailed information about what is being reported on my credit report. I have never had a contractual relationship with AMSHER COLL, and I believe the original creditor, XXXX XXXX sold my account without proper notification. This is a clear violation of FCRA Section 611, which governs the reporting of inaccurate information on credit reports. I request that this account be deleted immediately, as it is being reported inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They refuse to help me with the reveesal overdraft fee they will charge me when I said I didn't have money homeless they they refusal my account overdraft now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a follow up to complaint XXXX. Chase stated that they sent the check and that complaint was closed. It's past their stated delivery date and I still haven't received the refund. I've called the rep at Chase that's handling this for me, and he won't return my calls. What is the problem? It's {$170.00}. Can we go above the reps head that's not helping me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 an account without 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 .And 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 an account without 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 .And 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-10 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am filing this complaint to document Discovers repeated noncompliance with my consumer rights, including their failure to honor written requests, provide required disclosures, and address disputes in accordance with federal laws. 
-Ignored Cease Phone Communication Request On XX/XX/year>, I sent a written request via email to Discover ( to an address found on their site ) instructing them to cease all phone communication with me. Despite this, I received a call on XX/XX/year>, at XXXX XXXX, in direct violation of my written request. 
Under 15 U.S.C. 1692c ( c ) of the FDCPA, I have the right to request that communication regarding this matter be limited to writing. For this violation, I am entitled to statutory damages of {$1000.00}, as allowed by 15 U.S.C. 1692k ( a ) ( 2 ) ( A ). 
-In the same email, I requested : A copy of the original contract I signed, as required under consumer law for my review. 
A debt validation for my most recent statement, as required by 15 U.S.C. 1692g. 
-Previous Ignored Certified Notices I have sent multiple certified notices to Discover in the past, including : A billing error dispute in accordance with the Fair Credit Billing Act ( FCBA ). 
An opt-out notice under the Gramm-Leach-Bliley Act ( GLBA ). 
These notices, sent via certified mail with tracking numbers, have gone unanswered. The lack of response to these notices constitutes a failure to comply with legal requirements. 
-Intentional Harassment and Neglect Based on my experiences, I believe Discover is intentionally ignoring my lawful requests and engaging in harassment. Discovers repeated noncompliance with federal consumer protection laws is unacceptable, and I trust the CFPB will investigate this matter thoroughly. Certified Mail Tracking Number for Most Recent Request : [ XXXX ] I have attached copies of my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint against Capital One regarding a prolonged account lock issue that began on XX/XX/year>, and has caused severe financial and emotional distress for my family and me. On XX/XX/XXXX, my husband, a joint account holder, attempted to log into our account while in XXXX attending a funeral. After multiple unsuccessful attempts, the account became locked with instructions to call customer service. Despite my status as the primary account holder, the verification process required my husbands details. Over 30 calls were made that day alone, during which customer service repeatedly instructed my husband to submit identity verification via email, including pictures of his ID or passport. Each time he completed the process, the system confirmed successful submission, yet calls were either disconnected, or customer service claimed the verification was not completed. This process was repeated multiple times, resulting in immense frustration and significant expenses due to international call charges. 

On XX/XX/XXXX and XXXX, XXXX, as well as during two additional visits earlier that month, I visited our local Capital One branch for assistance. The bank manager, XXXX, was extremely helpful and attempted to resolve the issue by contacting the XXXXXXXX XXXX XXXX XXXX  ( XXXX ) team multiple times. However, the XXXX representatives were unprofessional and rude. One representative, whose name might be XXXX, accused me of lying about the verification process despite my providing screenshots confirming submission. He raised his voice, called me a liar, and hung up on us while on speakerphone in front of the bank manager and another staff member. During these visits, XXXX provided a direct number for my husband to call from XXXX, but it turned out to be the general customer service line. Despite multiple calls and verification attempts using both his passport and state ID, the issue remains unresolved. 

This situation has left my family without access to our funds. Our primary account, as well as our childrens accounts, are locked, preventing us from paying bills and accessing necessary resources. This has compounded the emotional toll of mourning a loss and dealing with funeral arrangements overseas. We respectfully request immediate intervention to unlock our accounts and address the issues caused by Capital Ones mismanagement and unprofessional conduct. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft and a data breach. As such, I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$20000.00} Additionally, I am requesting the deletion of the following fraudulent inquiry : XXXX XXXX Inquiry Date : 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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
We got a call last week saying they were from banana Republic saying I was being sued for an unpaid debt, so we settled on a payment arrangement then they called back again saying I owed more money then that's when I figured it was a scam after I gave them my bank information so now I have to change everything.

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