vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and Transunion. These accounts do not belong to me but yet they continue to report these accounts 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 2024-09-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Began receiving calls in XXXX of XXXX from " NAVIENT '' which have continued several times daily since then regarding student loans owed by my deceased wife. She epassed in XX/XX/XXXX ; the loans were made prior to our marriage ( XXXX & XXXX - married XXXX ). I had no idea these loans existed. 
Submitted death certificate which they have confirmed receipt XX/XX/XXXX ; calls continued unabated; received a letter late XX/XX/XXXX which denied the death certificate - navient indicated it was not valid ; when actually they just wanted a SSN written on the certificate. 
I did that as well and they confirmed today, XX/XX/XXXX that they received ; but did not bother entering that anywhere and they continue to call - three times today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AL

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 : ( SYNCB/AMAZON ) XXXX ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is concerning a Chase residential mortgage. As of XX/XX/XXXX, I owe {$1800.00} on the principal of my home mortgage after 30 years paying it down, with a monthly payment of {$320.00}, and with {$8.00} going towards interest payment. When I purchased the property, I put a down payment in excess of 20 %, thereby avoiding the required PMI and escrowing of property taxes. I have NEVER not paid my property taxes. Chase has NEVER paid property taxes on my behalf. 

On XX/XX/XXXX, Chase sent me a letter REQUIRING me to pay to them my property taxes for them to hold in escrow. Toward this end, they have therefore raised my monthly payment from {$320.00} to {$640.00}! 

I am not aware of any legal basis for Chase to be able to require this of me. I am asking your bureau to investigate this predatory practice. It's almost like they aren't making any interest on the remainder of my loan, and to make up for this " shortage, '' now want to make interest on the money they intend to hold for my property taxes, which for me are payable, in XXXX XXXX XXXX Florida, at my discretion and convenience, anytime from XXXX, XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MO

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 USC 1681. 
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  has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer 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 antendates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not fernish any information relating to a consumer to any credit 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information in my credit report. Below are the details for your review : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Incorrect Addresses to be Removed : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Additionally, I request the deletion of the following previous employment records from my credit report : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have been dealing with this since XX/XX/2023 can't get nobody on the phone without being on there for 6 or 7 hours or being hung up on I have submitted first time the paper if they requested with the application second time I sent about 11 copies of my signature to prove who I am and where I was on the day I supposed to take loans out it's sad that you can't talk to a human being or somebody can just put your information out there and not proving who they are and get a loan my credit have been breached by at least 6 7 8 different times through different companies and if I throw mohela in the mix that's another one I'm XXXX XXXX XXXX XXXX I'm not attending school ie college I'm not even healthy enough to get out and about to set at computer I have filed complaints with a XXXX XXXX XXXX Federal trade and then this and froze my credit reports put fraud notice on my reports but apparently the only check it once to give you whatever cuz it started out about XXXX and I'm up to about XXXX can't get a hold of at XXXX or XXXX XXXX XXXX XXXX says I need to talk to them first that's funny cuz they're the one that done supposedly application my next step it's probably getting a lawyer and then I'm going to sue you for not correcting this problem and then for the mental and physical stress

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately since THERE WAS NO ORIGINAL DOCUMENTATION PROVIDED TO VERIFY THE ACCOUNT. THE ACCOUNTS ARE INACCURATE. 

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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Under the guise of a real estate agent, I have been in communication with a landlord with XXXX XXXX XXXX a XXXX leasing company. This individual has received 3 payments from me over the course of two weeks. Today was supposed to be the day I move-in, and suffice it to say, it is also the last day I heard from this individual. 

XX/XX/year> - {$50.00} for an application fee XX/XX/year> - {$580.00} for XXXX XXXX XX/XX/year>- {$64.00} to balance Security deposit The phone number that I have been in contact with is XXXX. The account to which I have made these payments is a chime account with the tag $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XX/XX/year> Call from XXXX " This is Credit Management. Is This XXXX XXXX birthday XXXX XXXX. I did not confirm or deny this statement. When I asked what this was about the gentleman stated he needs my birthday and other personal information. 

XX/XX/year> Call from XXXX " This is Credit Management. Is this XXXX XXXX birthday XXXX. Same thing. I challenged her by stating, if you truly have business with me, you can mail me. She replied " no, I need your personal information first ''. 

I hung up. 

Please note : I have NO outstanding debts however am a victim of the countless breaches from XXXX XXXX XXXX to others. 

They will not provide me their address so that I can send a Cease & Desists Order. The numbers do not trace back to a company. Please help me. 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My mom sent me {$400.00} via PayPal. I didn't ask for the money and thought she shouldn't send me that much money, so I graciously accepted {$100.00} with gratitude for groceries for my children. As a single mom, any financial help is good, times are tough. 
I sent back {$300.00} to the account that I thought was my mom 's. The same name. The email address she's used forever. I didn't think twice because everything matched up. However, the account was not owned or connected to my mom and she never received the {$300.00}. PayPal told me to reach out to the person who received the money and ask for a refund, which I did, several times to only receive XXXX mysteriously deposited into my account. I have called PayPal and sent messages. I have asked my mom to do the same. She claims she never received the money and that account is not in any way connected to her. I honestly don't understand why PayPal can't cancel the transaction or refund the money. I tried to cancel the transaction, .but that option wasn't even available to me. I really hope someone can help me with this. This is a lot of money for someone who is on a fixed income. This is devastating to me on behalf of my mom. I feel awful this happened and want to help and make sure she gets her money back. Please, if you could help me, I would greatly appreciate it. 
Thank you!! 
: )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
ive been working on a loan modification for a few months now, I called to get the status and they said I was denied due to the fact that Im not working again. However, I informed them I was working and she resubmitted it. I called back a few hours later, they said I was approved and offered me a trial period of three months for {$1400.00} a month. That was a Friday, I called the next Monday and then they said that offer was offered prematurely and that I was denied. I would like you to speak with Rushmore Servicing about this issue and let them know that I do qualify for a loan modification because Im making enough money and have three other sources of income on top of my job. That being XXXX dollars a month and plasma donations, {$500.00} a month babysitting and {$750.00} a month from my roommate. I make more than enough income to qualify for a loan modification. Denying them simply not wanting to help me, when I put {$220000.00} cash down on the house, that I dont want to lose. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX  XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter. 


Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief