vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
Fraudulent inquiries persist on my consumer report despite multiple attempts to resolve them. As a victim of identity theft, these unauthorized entries have severely impacted my financial well-being, obstructing critical goals like home ownership. The inaccurate items have caused significant mental and financial distress, leaving me with no alternative but to consider legal action if the matter remains unaddressed.

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Yesterday at XXXX XXXX. I received a call from Chase representative. I told the man speaking with broken XXXX that I was at work and didn't have time to speak with him. He asked again for five minutes of my time. I told him again, I was at work and couldn't take his call. He asked me when I got off work and I told him XXXX XXXX XXXX XXXX XXXX I was on my way to mother 's home as she is not well. My phone began ringing while I was driving. I noticed the number was the number from the man from Chase so I sent the call to voicemail as I was driving. I guess this call center man didn't like being sent to voicemail as he began calling me back repeatedly one call after another. Then it would appear that he got his call center friends involved as the calls were coming in fast and furious from Chase, XXXX XXXX XXXX XXXX. Some calls were made within minutes of one another some even less than a minute. I received five calls within in four minutes from the same number. They were all calling me repeatedly one right after another. This went on for well over 45 minutes. I never answered any of the calls because once I did get my car parked, I had no desire to talk to anyone who would behave in this harassing manner. The numbers who called me repeatedly throughout the 45 minute timeframe are : XXXXXXXX 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  and the man who got this whole nightmare started ). I received phone 40 calls from these call centers in the 45 minute span. I have a screenshot of all these calls in my incoming call log. I eventually had to silence my phone because once I arrived at my XXXX XXXX XXXX mother 's house, this behavior frightened her greatly. This is a level of harassment from telemarketers I have never experienced before. You can bet I will not EVER be using my Chase, XXXX XXXX XXXX XXXX  credit cards again. Absolute harassment. I just called several of these numbers back - they sent me to customer service each time and when I chose the number for " all other inquires '', the call never goes anywhere and the line is just dead and it eventually drops the call. Smooth move for avoiding anyone calling and complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am overdue on several mortgage payments, so I enlisted the help of the XXXX XXXX XXXX XXXX. Our monthly income has gone from {$6000.00} to {$2000.00}. We are under severe stress and PNC Bank 's latest threatening letter stated we have to pay the whole balance by XXXX XXXX XXXX XXXX XXXX ), or they will foreclose on us. The issue is the XXXX XXXX XXXX XXXX has been trying to contact PNC Bank since XXXX, and PNC Bank will not cooperate. All they need to do is send a file and they get their money. I believe PNC Bank is using delay tactics so they can foreclose on us and sell our house for a nifty profit. Please Help us. We don't want to lose our house. XXXX XXXX from PNC Bank emailed me, so I emailed her back and also left her a voicemail. As expected, I haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BTH Management
State: MI

Complaint narrative:
Hello, I believe my personal information has been used without my consent by a car salesman at XXXX XXXX. the salesman misrepresented my income to secure financing for a vehicle, which i could not afford, as a result, the vehicle was repossessed and subsequently sold off to a new company ( Plaza Services ). this use of my name address and income details to enter into a contract constitutes identity theft. I am concerned about the potential implications of this situation on my credit and personal finances i request your assistance in investigating this matter and protecting my rights. I also reported with identitytheft.gov so Im eager to get this figured out. please let me know if you need any additional information or documentation from my side to facilitate your investigation. Thank you for your attention to this issue. i look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-10 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: Experian Information Solutions Inc.
State: TX

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

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
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 a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$580.00} under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$190.00} under the account number XXXX. A personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX, as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Formal Complaint and Debt Dispute Dear Jefferson Capital Systems LLC, I am writing to formally dispute any and all alleged debts that your agency claims I owe. Additionally, I am filing a complaint regarding your violations of federal laws and regulations, including deceptive and misleading practices in your debt collection efforts. 

Specifically, I believe your agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide accurate and complete disclosures about the alleged debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Use of false, misleading, and deceptive means to collect a debt.

3. 12 CFR 1006.34 ( d ) Failure to comply with required disclosures necessary for validating the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) Failure to ensure accurate reporting to credit bureaus.

Furthermore, pursuant to my rights under federal law, I am disputing any and all alleged debts you claim I owe and requesting the following : 1. Validation of the debt Please provide detailed validation of the alleged debt, including a complete accounting and itemization of the amount you claim is owed.

2. Purchase agreement I request a copy of the purchase agreement or any other contractual agreement between your agency and the original creditor that allegedly transferred this debt to your ownership.

3. Proof of licensing and bonding Provide documentation demonstrating that Jefferson Capital Systems LLC is licensed and bonded to collect debts in my state. 

Additionally, effective immediately, I am revoking all rights for your agency to contact me via email, text message, or phone calls. Any further communication must be conducted in writing and sent to my mailing address listed above. Failure to adhere to this request will constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I expect your response, including the requested documentation, within the time frame allowed by law. Should you fail to comply, I will escalate this matter to my state Attorney Generals office, and other relevant regulatory bodies for further investigation and enforcement action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Nationstar Mortgage ( Mr. Cooper ) Dear CFPB, I am writing to formally file a complaint against my mortgage company, Nationstar Mortgage, also known as Mr. Cooper. I have been experiencing significant issues with my mortgage payments and the company 's handling of my account. 
From XX/XX/year> to the present, my total monthly mortgage payment, including interest and escrow, has increased by {$900.00} and {$300.00} in the last 2 months. This dramatic increase has placed a substantial financial burden on my family of XXXX, making it extremely difficult to keep up with the payments. 
In an attempt to seek assistance, I contacted Nationstar Mortgage. To my dismay, I discovered that they had initiated a second mortgage loan process without my consent. Additionally, when I reached out for help, their primary solution was to push me towards refinancing without properly explaining the process or obtaining my agreement. 
After multiple frustrating calls, I finally spoke to a representative who was not attempting to sell me anything. This representative reviewed my account and informed me that they were unable to lower my mortgage payment. 
Given these circumstances, I am urgently requesting the CFPB 's intervention. I am seeking to extend the term of my mortgage to achieve a more manageable monthly payment of {$2800.00}, inclusive of interest and escrow. This adjustment would significantly alleviate the financial strain on my family and prevent us from defaulting on our mortgage obligations. 
I am committed to fulfilling my financial responsibilities, but the current situation is unsustainable. Your prompt assistance in addressing this matter with Nationstar Mortgage is greatly needed and appreciated. 
Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2024-12-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX THIS IS NOT MINE, THIS IS FRAUDELENT i, am a victim of identity and my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days.

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 2024-12-10 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief