vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report & noticed a fraudulent account on my credit. I want this fraudulent account removed from my credit report immediately because it is hurting my ability to obtain credit & is violating my rights under 15 USC 1681

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 2025-01-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mr. Cooper ( Nationstar? ) has been messing with my money since they bought my loan in XXXX. They've moved around my down payment, closed my escrow without permission and submitted me a check, then reopened my escrow without permission or any signed documents to do so and are demanding repayment by raising my mortgage payment WITHOUIT notification to me of them doing so.

I've tried to contact them for months and can never get a person on the phone. I've tried since XXXX. They are causing me mental stress and financial hardship now. I sent them a cease and desist letter due to their harassment and retaliation after all of this. I've contacted the FBI, XXXX XXXX XXXX, and still no one from Mr. Cooper has contacted me. I am at wits end. I am concerned for my money as they are moving it around, not showing on the website what happen
ed to it, then when I contact someone it magically appears like " it was always there. '' I am tired of this company and wish they'd NOT own my loan because I fear they are just going to try to take my home. I have no support and am financially stuck in what income the VA gives me and that's it. I am on a fixed income, a XXXX XXXX XXXX vet, and this company is not providing a service they are supposed to. 

XXXX XXXX XXXX Mr. Cooper is messing up my loan account, moving my money around, and not showing a paper trail. Mr. Cooper is closing accounts within my loan WITHOUT my consent. Mr. Cooper is not contacting me after countless attempts to get someone on the phone. Mr. Cooper raised my payment in retaliation to their mistake and never contacted me about it, even after I'm pretty sure having been legally obligated to do so.

I sent a cease and desist letter to these idiots to get them to stop emailing me and to contact me by phone. They took it as a they don't have to talk to me anymore. I'm done.

I need help getting this company to get rid of my account, AND fix their screw ups. At this point, they've moved around XXXX dollars ( My down payment ) and I had to chase it down to get it reposted to my account. Now they've screwed up my escrow account. I need help locating my money and getting them to stop screwing with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been constantly been hit with over draft fees by Navy Federal even after signing up with their oops program that was informed by their staff over the phone, as I was told that they can only removed 2 over draft fees and the other I would have to deal with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Long story short I lost my wallet back at the beginning of XXXX. Most of my major credit cards like my XXXX XXXX and things like that I knew was in the card, and I called the banks and canceled them, but what I didnt realize is that in the very very back of my wallet was my XXXX XXXX and Victorias Secret credit card which I dont use very often. When I realize that somebody was using it, I called the bank I informed you of what was going on he asked a bunch of questions and then the gentleman tells me that he cant help me and needs to forward me onto somebody else then why did he need to know all the information so I sit on hold I eventually get transferred to somebody else. This woman once again goes through all the details I explain exactly what happened and then she tells me that she cant help and Im transferred for a third time terrible customer service the third time I said on hold for XXXX minutes, nobody answered, and I eventually hung up. You would think that you would take fraud a little more serious that you would have somebody available XXXX XXXX fraud doesnt just occur Monday through Friday XXXX to XXXX it happens XXXX XXXX every day of the year will since you refuse to help me over the phone Im notifying you here Both my Victorias Secret and my XXXX power credit card have been compromised somebody other than me has the cards. I dont know who has them. I didnt give them permission. I know I have an authorized user thats my husband. He didnt use the card, but we cant find it any of our cards which means they mustve been lost with the wallet and I just didnt realize it. I need both cards closed and new cards issued as quickly as possible and I need you to investigate the we had a XXXX balance before all of this happens and we should have a XXXX balance now all transactions are fraudulent all of them that happened in XXXX I dont need you to call me. I just need you to begin the investigation. If you need more information, please send it to me in the regular mail and Ill fill out whatever paperwork you might need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Called to get an extension on my auto loan account within 10 days of my pass due date. Spoke with multiple different customer service representatives that could not help with this transaction. I was transferred to a supervisor Same day XX/XX/XXXX at XXXXXXXX XXXX  that attempted to help and ask for me to call back in two days because the system needed to update. I gave it two days and called back and my account ended up with a voluntary repossession on my account that I didnt request and for From XX/XX/XXXX until XX/XX/XXXX my account was stop I wasnt able to make any payments and no customer service representatives would help me. I was transferred many times and was able to get to collection and she had removed the stop on my account and I wasnt able about to make a payment. My reasoning for the complaint is I never gave my account or routing number to anyone over the phone and I noticed my previous bank information was removed and my other banking information was input into the system and my payment I scheduled came out of my bank I didnt authorize for it to. I had this vehicle for two years and only used one account. I feel scammed and fraudulent activity is going on with the financial company Ally auto loan. I dont not feel safe with this company nor do I feel my banking account is safe after this altercation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The company withdrew money from my account with out my knowledge. I did let them know I reloaded the card of XXXX dollar on XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-01-01 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: U.S. BANCORP
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: TN

Complaint narrative:
In XXXX, I borrowed {$3000.00} from XXXX XXXX. I started paying, but then had financial hardship. My total balance owed is {$2500.00}. In XX/XX/2024, I was contacted by a collections agency called XXXX. I started paying them {$50.00} every two weeks so I could pay down my debt. A few months later I started receiving calls from XXXX XXXX. So I got suspicious and started wondering why am I paying XXXX and XXXX XXXX is calling me. I finally answered their call one day and the representative said they never sent my account to collections. I have been paying a collection agency that my account wasn't even sold to. This is fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On XX/XX/XXXX, I wired money ( approx XXXX ) via international wire from USAA to XXXX XXXX XXXX XXXX XXXX ), an account at XXXX XXXX XXXX XXXX, for purchase of a XXXX in XXXX. I did this in anticipation of a move on XXXX to XXXX. XXXX never received the wire. Details of the wire were verified with XXXX with USAA on the phone. I was told by USAA not to worry until 15 days had elapsed. I have since contacted USAA multiple times. It has now been 27 days. I've been told it was a " clean wire '' by some and " to be worried '' by others at USAA. From USAA, I've been told that USAA would reach out to XXXX XXXX XXXX by some and been told that XXXX XXXX XXXX has to reach out to USAA by others. XXXX has contacted XXXX XXXX XXXX, but XXXX XXXX was unable to reach USAA. I put in a delayed wire dispute with USAA and then subsequently a reclaim for the wire. Despite numerous calls, I've been giving no clear explanation on how these processes work, what to expect, or what to do next. I subsequently began moving money from USAA into an account I can access directly ( Service Credit Union ) should my wire issue become prolonged. XXXX hours after the reclaim was placed, USAA locked all of my accounts with no notification or explanation. XXXX has still not received my funds. Nor have I been refunded the wire. I am unable to unlock my account because I am overseas without a XXXX phone number. I had been using an authenticator through the USAA app to verify, but after being force logged out by USAA- I was not able to use this for verification. I was suppose to take delivery of a vehicle over XXXX week ago for which I also am paying USAA to insure. Now, I can not access funds, credit, debit, or account information. I am a XXXX government employee who just moved overseas with a family who has been fiscally paralyzed by USAA at the start of the new 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 monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-01-01 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-01-01 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 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: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
Due to the incorrect information, this has impacted my ability to be approved for certain financial tools, in which would help in life to become more successful. Due to the false and incorrect information, it has an impactful role in my livelihood which is being impacted negatively. 
Credit agencies have been harassing me. My life has been taken over due to identity theft and Data Breach. I need assistance asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Synovus Bank
State: AZ

Complaint narrative:
Due to the incorrect information, this has impacted my ability to be approved for certain financial tools, in which would help in life to become more successful. Due to the false and incorrect information, it has an impactful role in my livelihood which is being impacted negatively. 
Credit agencies have been harassing me. My life has been taken over due to identity theft and Data Breach. I need assistance asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I request the removal of the CBE GROUP collection account from my credit report, as the original creditor, XXXX XXXX, transferred my account to a collection agency without providing proper notification. This action constitutes a clear violation of my rights. Kindly review the attached letter at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief