vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, Wells Fargo, and XXXX on my XXXX report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.

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 2024-09-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by Citibank, XXXX XXXX, and XXXX on my XXXX report. Citibank also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.

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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX  sold my debt to Midland Credit Management ( MCM ). The agency has called me multiple times daily, often using different numbers, and has pressured me into an untenable payment arrangement. I attempted to settle my debt in good faith, offering to pay 50 % of the owed amount in four payments. However, the agency pushed me into an unaffordable arrangement of {$1000.00} in two payments. When I tried to renegotiate after realizing I could not meet these terms, they flatly refused any further discussion. 

Despite my efforts to communicate and negotiate reasonably, MCM has shown no willingness to engage in meaningful discussions. They rejected my attempts to find a solution that would allow me to fulfill my obligations without undue hardship. Instead, they opted to pursue legal action as a means to pressure me into paying the full amount plus additional costs. 

When the agency initiated a lawsuit against me, they refused to mediate, offering only a " best offer '' of full payment plus court costs. This demonstrates their intent to use the legal system not as a means of achieving a fair resolution but as a tool to intimidate and extract the maximum possible payment. Their actions appear to be motivated by a desire to wield the legal system as a hammer, leveraging the threat of a trial to force a settlement on their terms, regardless of my financial situation or ability to pay. 

As a single mother with a XXXX XXXX XXXX the agencys tactics have caused significant emotional and financial distress. I live paycheck to paycheck, and their refusal to negotiate in good faith has made it nearly impossible for me to manage my finances responsibly. Their aggressive pursuit of legal action, rather than seeking an amicable resolution, has further exacerbated this stress. 

I am requesting that the CFPB investigate MCM for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding their bad faith negotiations and abuse of the legal process. I ask that the agency be held accountable for its actions and be required to engage in fair and reasonable negotiations to resolve this matter without further abuse of the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper recently inquired my loan, I had damages to my home from hurricane Idalia on XX/XX/XXXX just a few weeks prior of me purchasing my home on XX/XX/XXXX. I had damage to my roof and water infiltration through my windows and glass sliding doors. I had to file a claim with my insurance company XXXX XXXX at the time. They paid to have the roof replace in its entirety that work was completed in XX/XX/XXXX. It has taken me a year to get approval for a full replacement of my windows and glass sliding doors after numerous contractors would not just fix around the frame as previously recommended by XXXX due to corrosion around the metal frames, it was recently approved for a full replacement and a check issued for that cost with the contractors estimate. I was advised to mail in the check and that Mr. Cooper would endorse it and release the full funds to me to get the work done. I am now being ask to download the claims paperwork on numerous times to a site that does not allow me to check my claims status and only has me call in to find out the status. On numerous occasions I get a representative from Mr. Cooper that I am unable to understand their English with a language barrier I ask to speak to a manager who to my surprise turns out to be the same employee disguising their voice. I continue to receive miss information on my claim and moreover now I am being told they will release partial funds to get the work done and then an inspector will come out. I unfortunately need to pay for the windows all upfront {$23000.00} so they can order the windows and have them installed in 2-3 months something I am trying to have done prior to XXXX. I cant pay for 30 % of the windows have them partially installed and have a bank inspector come out to approve it then they release another portion and go on like this for another year meanwhile my home continues to get water infiltration when it is forced wind rain that happens repeatedly in Florida. I need all the money Released in full to pay the invoice in full to be able to order the product and meet deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have requested multiple times that the accounts on the ftc be removed and them when I ask them for the proof of the debt or validation they give me the run around asked the creditor never responds call I get an XXXX person and when I asked him some question please send request in writing hangs up I did this was back in may still waititng for an answer I had enough of this cat and mouse game HELP!!!!! PLEASE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-03 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: NC

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After a careful examination of my recent credit report, I've identified a number of accounts that appear to be fraudulent and were added without my awareness.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ive noticed unauthorized inquiries on my credit that i would like removed. According to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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 non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX and Security Credit Services for their continued harassment regarding an alleged debt that is beyond the statute of limitations and after/ they have been formally notified to cease and desist all communications. 

On XX/XX/year>, I sent a certified cease and desist letter to XXXX XXXX XXXX and Security Credit Services, clearly stating that they are to stop all contact with me regarding this matter. Despite this, I have continued to receive phone calls, letters, and other forms of communication from the agency. 

Furthermore, the debt they are attempting to collect is time-barred under the applicable statute of limitations. XXXX XXXX XXXX and Security Credit Services are knowingly and willfully attempting to collect on a debt that they are legally barred from pursuing. 

Their continued actions are not only a violation of the Fair Debt Collection Practices Act ( FDCPA ), but they have also caused me considerable stress and XXXX. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX an

d Security Credit Services, for their unlawful and unethical practices. Also in Georgia, the statute of limitations fo
r filing a lawsuit to collect credit card debt is six years from the date of default. The statute of limitations begins when the account is " charged-off '' due to missed payment, which can be identified on credit card statements. However, the statute of limitations can be extended or renewed by certain actions, such as : making payments, promising to pay the debt, entering a payment agreement, and making a charge using the account. 

Please find attached copies of the cease and desist letter and any other relevant documentation. I appreciate your immediate attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-09-03 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately 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 2024-09-03 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

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