vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-15 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: CA

Complaint narrative:
I obtained an unsecured personal loan for the amount of {$9100.00} with the XX/XX/XXXXXXXX XXXX XXXX ( GECU ) which I missed XXXX payment during the covid crisis and XXXX sent me to a collections agency. I set up automatics payments with the collections agency a firm by the name of XXXXXX/XX/XXXXXXXX which XXXX referred me to. I payed timely and never missed a payment and have completed my payments since XX/XX/XXXX. XXXX has been reporting me as delinquent since XXXX reporting negatively on my credit even though I have been paying back my personal unsecured loan. I called XXXX on XX/XX/XXXX and they told me to call the collections agency to clarify why I have been continuously reported as delinquent, I called the agency as well and nobody could give me a solution nor do they make themselves responsible for reporting me delinquent for all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
Tempoe LLC has reported to Credit Bureaus that I owe a debt but I've never done any business with this company and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX Subject : Cease and Desist Complaint Dear CFPB, I am writing to formally submit a complaint regarding unlawful debt collection practices by National Credit Systems. Despite my requests for validation of the debt and a cease and desist on further communication, I have continued to receive harassing calls and correspondence. 

Details of the situation are as follows : - My Name : XXXX XXXX - My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX - My Phone Number : XXXX - Collection Agency : XXXX XXXX XXXX - Agency Address : XXXX XXXX XXXX XXXX, GA XXXX - On XX/XX/XXXX, I was contacted by National Credit Systems regarding an alleged debt. 
- I disputed the validity of this debt and requested validation as per the Fair Debt Collection Practices Act ( FDCPA ). 
- I formally requested a cease and desist of all communication. 
- Despite this request, I have continued to receive phone calls and written communication regarding this alleged debt. 

This ongoing communication is causing me significant stress and constitutes a violation of my rights under the FDCPA. I would like to request your assistance in resolving this matter and taking appropriate action against National Credit Systems for their continued harassment.

I appreciate your attention to this issue and look forward to your response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This number has called me daily multiple times a day in repeat always a robot and always leaves a voice mail for XXXX of XXXX I've reached out to simply inform them that I'm on the XXXX list and that further communication on this number is not prohibited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I over paid on my vehicle since day XXXX I noticed there was some odd stuff towards the end of my payments. I am paying on my car loan and my bill is going back up. I need it to be reviewed I believe I am being charged extra and being scammed money. I was charged a late fee on my first payment on top of XXXX payments in first month I was still charged. I also have a payment from XXXX missing that is not on the records.

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 2024-08-15 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have checked my bank account and found that there is check payment deducted from my account but that check is not issued by my and also check number and check was not have my name and details but it has wrong bank account and routing number but still paid from my account as bank was negligently issued payment to someone else from my account on wrong check. I was astonished to see that it was paid from my account as it was my check, even the information does not match on check with my bank information. Bank is totally negligent and fails to fulfill its duty of care to a customer, resulting my financial loss. 

How a bank can not look into details when making payments, and negligent with our funds. 

A wrong check not issued by me posted into my account in Chase Bank, and paid on XX/XX/year> and money was deducted from my account. 

I reported to Chase bank on XX/XX/year> when i looked into my account and they sai that they will fi this. But issue is that now i feel unsafe that any person can cash a chek from my account. Chase bank system is not reliable now and regulatory authority should take action on this even i receive my money bank so other customers will be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ive been trying to do a short sale on my property and the buyers backed out multiple time now i have found someone who is interested in doing the deal so i need XXXX more try to sell my house so i dont have a forclosure under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies XXXX, Experian and XXXX I have inquiries on my credit report from an unknown source and Im unable to get it off 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 2024-08-15 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: CA

Complaint narrative:
Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : 1. XXXX XXXX XXXX  account ending in XXXX XXXX XXXX. XXXX account ending in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dispute letter to copies of identification, police reports, FTC identity XXXX theft reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I have disputed this multiple times and TransUnion till this day has not send me a report update with results. XXXX XXXX XXXX XXXX  Case number XXXX While reviewing my personal credit report, I noticed some inaccuracies in the public records area of my file. I am requesting an investigation be conducted and verify that the information on ( XXXX bankruptcy ) is correct. I believe this may be an error because this/these do not belong to me. Please verify and remove them from my file and send me an updated credit report reflecting the accurate information.

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 2024-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
XXXX mortgage payment was to be withdrawn via autopayment but was instead reversed despite more than sufficient funds available in bank account. Contact with bank revealed no activity present on the account. A {$30.00} XXXX  fee for supposed nsf reversal was charged. On XXXX I received a confirmation that payment was posted by the lender. After multiple chats and phone calls a lender-rep phoned XXXX at which time the rep was sent the bank 's record, and on XX/XX/XXXX she refunded the fee and successfully withdrew the payment. 
However, the same issue occurred on XXXX, no withdrawl, payment reversal, no evidence of bank activity. After revieving no help from their customer service, on XXXX I cancelled the autopay option and made a manual payment via their website. My bank account showed that payment as pending, but soon after payment request was withdrawn. Again there were funds available to process the loan. A phone call eventally led them to create a report to their review team. I was to recieve a call with their solution within 3 days. I have recieved nothing as of today, XX/XX/XXXX, the final day of grace for a late payment. They have still bot attempted to withdraw the XXXX payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 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: NY

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 account listed without my expressed written consent.

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 2024-08-15 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: GA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-08-15 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: MS

Complaint narrative:
There are unauthorized inquiries on my credit report. Kindly eliminate them promptly

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 2024-08-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Unauthorized inquiries appear on my credit report. Please remove them promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
When I tried to change the due date on my account I was told there would be a response via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
We used Better Mortgage to purchase our home that closed on XX/XX/year>. On XX/XX/XXXX, after receiving the XXXX loan package request from Better Mortgage to sign, I asked their agent XXXX XXXX whether or not the XXXX package containing our personal data with be shared with XXXX XXXX XXXX. I requested her to limit the exposure of our personal data and redact some data. On XX/XX/XXXX, XXXX said her closing team confirmed only the XXXX XXXX  will be shared with XXXX XXXX  XXXX XXXX XXXX form of XXXX XXXX XXXX containing our SSNs that need to be wet signed at closing table. See email communication in attachment # XXXX. We were okay with the answer then proceeded with the closing. 

During the XXXX XXXX on XX/XX/XXXX, I sent a message to Betters closing team using their XXXX XXXX but it indicated the message was shared with XXXX XXXX. I then asked XXXX if our personal data were breached. She replied and confirmed again that only the XXXX XXXX  was shared with XXXX. See email communication in attachment # XXXX. 

A month later, we found out that XXXX XXXX had posted all closing documents onto our customer portal, XXXX of which is the XXXX package containing our non-public personal data including mine and my wifes FULL SSNs, Birthdays, Bank Account numbers, Employment and Salary information. I wrote to Better Mortgage on XX/XX/XXXX to express our concerns. It took them over XXXX weeks to respond and again they denied there were no data breach and that the XXXX package was NOT shared with XXXX XXXX. See email communication in attachment # XXXX. XXXX XXXX XXXX responded with the following comments : Although the XXXXXXXX  and XXXX XXXX XXXX are available in the XXXX portal, records do not support that the settlement agent accessed the XXXX XXXX 

Attachments # XXXX through # XXXX are proofs from XXXX Title showing Better Mortgage sent them Specific Closing Instructions and link to download both the XXXX AND XXXX packages. Attachment # XXXX shows they enclosed our FULL Loan Application, forms XXXX and XXXX which are all part of the XXXX package containing our XXXX data. They instructed XXXX to scan and uploaded the entire loan packages onto XXXX XXXX in order to fund the closing. 

Better Mortgage lied to us on XXXX separate occasions about mishandling our XXXX  data. They deceived us into continuing the loan process by telling us they wont share our XXXX data with XXXX XXXX but they did. With their continuous dishonesty, we are very concern whether Better had shared or sold our XXXX data to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and realized that there were items and accounts opened on my credit that I did not authorize. 
On XX/XX/XXXX, there was an auto loan that was open utilizing my information such as name and old address along with my social the acquire this vehicle. 

I contacted Exeter Finance, which they explained to me that the vehicle had XXXX individuals on the loan. I did express that I was aware of the individual however I did not sign any papers of authorized anyone else to sign papers on my behalf. 
Exeter advised Exeter current calls and mails me expressing that I can pay off my loan with 2.5 %. Unfortunately, I don't feel as though I should be responsible for something that I did not do. 

Exeter currently has the account on a charged off status with {$8300.00} due on a loan that was initially {$9100.00}. 

I would like that to investigate and if unable to provide proof that I signed the documents and agreed to being responsible for someone else loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I tried for an hour to request a credit freeze. I was informed that I already had an account, but I had forgotten my log in information. I tried to reset my username and password, but when I put in my information, it told me that I did not have an account. This was a vicious circle for an hour while I waited on hold to speak with customer service. I finally spoke with someone in customer service - confirmed my identity via an arduous process, including uploading my drivers license- which took about XXXX pictures to achieve. Got through that - was sent a reset code - tried to reset and repeatedly got " We Are Temporarily Unable To Complete This Request ''. It feels like Equifax was hacked again- it should not be this difficult to reset a password- especially after confirming my identity with the agent online. 

After the huge data breach - I'm not even sure if I should have an account. Seems they aren't able to protect my most sensitive information!!! 

I don't know what to do.

Company response to consumer: Closed with explanation