vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I am writing to formally file a complaint against Mr. Cooper regarding significant service issues and customer support failures that I have been experiencing since my mortgage account was transferred to them. 

Previously, my mortgage account was serviced by XXXX XXXX which sold the account to Mr. Cooper in XX/XX/year>. Since the transfer, I have faced persistent issues that remain unresolved, including but not limited to : Inability to Access My Account : I have not been able to log in to my account on Mr. Coopers platform since the transition. Despite providing the correct information, I repeatedly encounter errors and am unable to manage my mortgage. 

Lack of Assistance from Customer Support : Every time I contact Mr. Cooper 's customer service representatives, I am informed that my account information is " not available. '' No clear resolution or assistance has been provided to date. 

Inaccurate Operational Information : Today, XXXX I attempted to call customer service after verifying on their website that they are open. However, upon calling, the phone system informed me that the office is closed. This is misleading and further adds to the frustration of trying to resolve critical account access issues. 

The inability to access my account, combined with the lack of support and misleading operational information, is causing XXXX inconvenience and stress. It is my understanding that mortgage servicers are obligated to provide accessible and functional account management services under consumer protection laws. 

I believe that Mr. Coopers actions ( or inactions ) may constitute a violation of these obligations, and I would like to explore whether this matter qualifies for legal action or intervention. 

I kindly request your office to investigate these issues and provide guidance on the next steps to ensure accountability and resolution. Please let me know if any additional documentation or evidence is required. 

Thank you for your attention to this matter. I look forward to your response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: DE

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Reporting and Non-Compliance with FCRA Equifax Dear Equifax , I am writing to dispute the continued reporting of a charge-off on my credit report for the account with [ XXXX XXXX XXXX XXXX XXXX XXXX account number [ XXXX ]. This account has been reported as a charge-off account, even though XXXX has already removed this entry following a similar dispute I filed with them. I believe Equifax is not complying with the Fair Credit Reporting Act ( FCRA ) in maintaining this inaccurate and outdated information on my credit report.

According to 15 U.S.C. 1681n, under the FCRA, credit reporting agencies are required to ensure the accuracy and integrity of the information reported, and failure to comply with these provisions can result in both legal liability and the requirement to remove erroneous information from consumer credit reports. 

I am requesting that you immediately investigate and remove the inaccurate charge-off entry from my credit report, as XXXX has already removed the same item due to its inaccuracy. As per the FCRA, you are required to report accurate information, and the continued reporting of this charge-off constitutes a violation of the statute.

Specifically, under the FCRA ( 15 U.S.C. 1681n ), you are liable for damages in the event of a failure to correct or remove inaccurate information, and I expect a full investigation into this matter. If Equifax does not comply with my request to remove this charge-off, I will pursue further legal action and have filed complaints with both the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ) for non-compliance. 

Please ensure that this matter is addressed promptly. I expect to receive confirmation that this incorrect entry has been removed or corrected from my credit report within 30 days, as required by law. 

Thanks for your attention to this matter! I look forward to your swift response, also attached is copy of current up to date report from XXXX showing account that is in question has been removed and no longer reporting anything about the account on current report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
This letter is in response to all letters, emails, phone calls, or any other mediums of communication From XXXX XXXX XXXX where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place.

If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( XXXX ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
This letter is in response to all letters, emails, phone calls, or any other mediums of communication From XXXX XXXX XXXX where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( XXXX ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC 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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
They are up to the same tricks again.

Over drafting my business account. Playing balance games again. Changing the balances than what they are.

I did NOT opt into treating my account like a credit card or my debit card like a credit card.

As a company and bank they are shady. They did that to make illegal overdraft profits for the end of the year quarter.

They will lie and have been using bad apples foreign and domestic to carry this out along with harmful ai.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
XXXX has not been properly investigating claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX has not been properly investigating claims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I contacted these creditors/ requested for these accounts to be removed from reporting to my credit report and placed into fraud dept 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
Bankruptcy courts states they do not report or give out any personal information regarding cases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my reports. Please remove these accounts from my report they are hurting 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 2025-01-11 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents : a ID, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX outlined in the XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). These accounts, inquiries, and addresses are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within XXXX business days of receiving this complaint. 
As a victim of trafficking, the following accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. I request that you block the information on my credit report within ( XXXX ) XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please delete and block the following accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts, inquiries, and addresses : * FCRA Section 605C Self-Attestation Form * Notarized Identity Affidavit * FTC Identity Theft Criminal Complaint # 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 2025-01-11 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: IN

Complaint narrative:
XX/XX/year> I filed a complaint concerning the inaccurate information on my credit reports XXXX and the other two main agencies all have different inaccurate information Addresses, Social security number, phone numbers auto loans credit cards information that is false and it's hindering me from getting a job, or credit, or housing and I can't apply for a auto loan to get a vehicle.due too the data breach issues with XXXX twice now I am suffering from identity theft and I placed a freeze on my account s both someone was still opening accounts using my information. I seek a remedy from all the credit reporting agencies to remove the inaccurate Information from my name and social security number and to provide the details of everything on my reports that have been investigated and are in compliance with Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my XXXX dispute letter since XXXX disputing the accounts listed below. XXXX has failed to delete the accounts advising they are verified and has also reinserted an account that was deleted. This was done without proper verification as required by law. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also XXXX is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. XXXX is the only CRA reporting these accounts on my report. 
The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you XXXX are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained ( I mailed and uploaded XXXX and Equifax Deletions certified mail to XXXX ) and XXXX never consulted underlying documents to verify the inaccurate information so with that being said the question is whether you as a CRA behaved reasonably as well as did you acquire sufficient evidence to support the conclusion of my last disputes.Other laws that were violated are as stated, XXXX did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did XXXX Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney XXXX has violated these same laws in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called the agents to help to set up the PIN number. But they kept putting me on hold and I hate that. They also kept transferring me to the different line. I hate when these ppl want me to waste my time and w8. Ive done my w8ing. They turned against me and I want them all reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

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

Company response to consumer: Closed with non-monetary relief