vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
The appraisal requested for the original loan by XXXX XXXX Mortgage for XX/XX/2007 signing should not have been an appraisal for the value. I am requesting a copy of the actual appraisal for the loan submitted to different mortgage companies for a mortgage on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from MOHELA saying that my XXXX payment had been missed. This immediately caused concern because I have had auto-debit set up since my loans were first transferred from XXXX XXXX to MOHELA. The auto-debit payments had gone through as scheduled for the previous months so I was shocked to get this notice. I tried messaging MOHELA through their website and was given generic responses saying that it takes 1-2 months for auto-debit to take effect but this should not have been the case because it had been set up several months before and had been working smoothly prior to XXXX. MOHELA sent another notice that my XXXX payment was past due on XX/XX/XXXX. I messaged MOHELA again asking them to correct the payment issue as it was their auto-debit system that skipped the payment and they gave me the same generic response. On XX/XX/XXXX I tried calling MOHELA to talk to a representative but was sent in circles with automated messages. One of the messages said that my student loan payments were in repayment pause and payments would resume in XX/XX/XXXX. If this was the case, they should have never marked my XXXX payment as past due. After this call I submitted a formal complaint to studentaid.gov and messaged MOHELA again stating my experience and notifying them that I submitted a formal complaint. Ever since my loans transferred to MOHELA it has been difficult to manage their website and it is nearly impossible to get any clear answers about my loans. I made additional payments on my student loans for fear of this discrepancy showing up on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2024-03-06 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: NY

Complaint narrative:
TransUnion To whom it may concern : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$950.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Thank You

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 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I sent a letter to SCA Collection certified and was signed for on XX/XX/24 by XXXX XXXX. They did not actually delete the item from my credit report and they are supposed to cease all communication during the validation period and they did not actually validate the debt so please explain to me why this is still on my credit report. This is so misleading date and I want it deleted immediately. I requested verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. 

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

SCA COLLECT ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
i asked XXXX  an XXXX, XXXX  for written information an signatures an they replied with im not the person asking for this information an i was the person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AZ

Complaint narrative:
I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AZ

Complaint narrative:
I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached

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 2024-03-06 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:
I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-06 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 thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Sapphire Reserve Card ( JP Morgan Chase ) had erroneously applied my refund in a way I specifically requested not be done, and per their own agreement would not happen. I disagree with how this credit of XXXX was applied. This is also the FIRST explanation offered for why The My Chase Plan went from XXXX to XXXX despite calling for weeks on end, and spending countless hours on the phone with unhelpful, rude, clueless customer service people. I did pay off the plan because I am not making payments on something I did not agree to. This explanation is not acceptable because I did not agree to these terms. I agreed to a travel plan with a payment of XXXX and a XXXX base Chase Plan with a payment of XXXX. Chase incorrectly opted to apply my credit from XXXX in a fraudulent way to obtain more fees from me as a customer. It is worth noting that prior to that happening, both my husband and I did our due diligence of contacting Chase at least three times via phone, which I have records of - the first time being with XXXX - before the credit from XXXX was issued and STRONGLY reassured that the XXXX credit would go toward the plan with ( at that time ) no payments due yet ( it was for the exact amount ) : XXXX. At that time, was told notes were being put on my account. Chase then applied the credit to the Chase Travel plan despite it being for the other item and in the exact amount. This was a horrible experience as a customer and nothing short of consumer fraud. I refuse to accept this explanation which goes against their own terms and policies and is simply an extortion attempt of an honest customer. It should be noted I also called a local branch and spoke to a manager who was unable to explain the fee despite contacting numerous internal Chase contacts. If Chase will not resolve this or make it right, I plan to take other avenues to do so. It is worth noting that while trying to solve this problem Chase sent me personal statements, in their entirety, belonging to people I am not in any way associated with and then asked me to email them to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AZ

Complaint narrative:
I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX  - Date : XX/XX/2023 XXXX. XXXX  - Date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and Transunion.

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