vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I have been having a multitude of issues with Mr. Cooper since they took over the servicing of my mortgage from XXXX XXXX. Mr. Cooper constantly harasses me via telephone, text, email, and postal mail regarding my 30-year fixed-rate mortgage. They constantly are trying to get me to refinance which I am not willing to do at double the interest rate. They have done hard hits on my credit without permission and will not stop calling or mailing solicitations to my home after months and months of me asking them to stop all solicitations. I have never once been late nor missed a payment in the history of my home purchase since XXXX. There is XXXX reason Mr. Cooper needs to be contacting me multiple times a day, week, or month. I filed this complaint in XX/XX/XXXX and Mr. Cooper is still sending daily mail solicitations which include sensitive account information. I am a paperless customer and have already been a victim of ID theft and data breach due to Mr. Coopers security inadequacies and poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: WA

Complaint narrative:
The XXXX account ( ending in XXXX ) inaccurately reports a high balance of {$2900.00}, even though it is paid off and closed. Similarly, the XXXX XXXX account ( ending in XXXX ) reports a balance of {$4800.00}, which was paid in full as of XX/XX/year>. 

Under **15 USC 1681i**, I demand a reinvestigation to ensure accuracy. Additionally, **16 CFR 602.6** obligates credit bureaus to update consumer files promptly. If these inaccuracies are not corrected, I will escalate the matter to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXXXX

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 2024-12-31 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a re-investigation of the following item : Account Information : Creditor Name : CCB/MPRCC Description of Inaccuracy : Wrong Balance : The account in question is reflecting different balances on each Bureau, none of which match the actual balance on my account. 
XXXX : amount {$350.00} XXXX : amount {$0.00} XXXX XXXX : {$350.00} closed XX/XX/XXXX Incorrect Dates : The accounts dates of last activity, payment dates and account opening date is being reported inconsistently or inaccurately. 
XXXX : date shown as XX/XX/XXXX XXXX : date shown XX/XX/XXXX XXXX XXXX : date shown XX/XX/XXXX closed XX/XX/XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681 ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable re-investigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnished of the information to verify the accuracy of the disputed item. During this re-investigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the re-investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If, after your re investigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: ADP Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
My SSN XXXX XXXXXXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-31 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: Velocity Portfolio Group
State: GA

Complaint narrative:
account reported on my credit report under CKS prime and XXXX XXXX # XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. account reported on my credit report under CKS Prime Investment XXXX XXXX XXXX XXXX XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX ], which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this item be promptly investigated and updated to reflect accurate information or removed if it can not be verified.

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 2024-12-31 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
In XX/XX/year> Bmg flag my account with a late payment since then my credit report hasnt been updated after speaking with a representative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are suppose to 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 2024-12-31 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: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX Chase closed my account and when I called them to ask why they said they decided to end the relationship and that was all the info they would give me. So I said what about the money that was in my account prior to the fraudulent checks that someone else deposited into my account, they told me that they would look into it and if there was any money they would be sending me a check. Chase has sent me a check for {$41.00} when I had {$100.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report as fraudulent due to identity theft. Attached is a copy of an identity theft report filed with [ Name of Law Enforcement Agency ], along with other supporting documentation. 

The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block information in a consumer 's file that results from identity theft within four business days of receiving : A copy of an identity theft report.

Identification of the fraudulent information.

Proof of identity ( attached to this letter ).

I have attached the following documentation to assist in your investigation and fulfill the requirements of the FCRA : A copy of my identity theft report filed with FTC.

A copy of my government-issued ID for verification.

Proof of my current address ( e.g., a utility bill or bank statement ).

Please take immediate action to block and remove the fraudulent accounts from my credit file and provide written confirmation that the changes have been made. Additionally, I request a copy of my updated credit report reflecting the removal of the fraudulent items.

Thank you for your prompt attention to 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 2024-12-31 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: PA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report as fraudulent due to identity theft. Attached is a copy of an identity theft report filed with [ Name of Law Enforcement Agency ], along with other supporting documentation. 

The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block information in a consumer 's file that results from identity theft within four business days of receiving : A copy of an identity theft report.

Identification of the fraudulent information.

Proof of identity ( attached to this letter ).

I have attached the following documentation to assist in your investigation and fulfill the requirements of the FCRA : A copy of my identity theft report filed with FTC.

A copy of my government-issued ID for verification.

Proof of my current address ( e.g., a utility bill or bank statement ).

Please take immediate action to block and remove the fraudulent accounts from my credit file and provide written confirmation that the changes have been made. Additionally, I request a copy of my updated credit report reflecting the removal of the fraudulent items. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Statement Regarding Harassment and Illegal Practices by Midland Credit Management ( MCM ) Subject : Harassment, Illegal Collection Attempts, and Privacy Violations by Midland Credit Management ( MCM ) Details : 1. Continuous Threats and Harassment : Midland Credit Management ( MCM ) has consistently contacted me regarding an alleged debt that I did not sign for or authorize. Despite my repeated attempts to clarify the situation, they have continued to send threatening notices, including warnings of potential legal action.

These threats are causing undue stress and XXXX as I have no knowledge of this debt or any obligation to pay.

2. No Legal Paperwork or Proof : MCM has failed to provide any legally valid documentation proving that this debt belongs to me. I have not signed any contract, agreement, or authorization related to this alleged debt, nor have they provided verification as required by the Fair Debt Collection Practices Act ( FDCPA ).

I believe their actions violate my rights, as they are attempting to collect on a debt without proper validation or proof.

3. Illegal Collection Practices and Privacy Violations : I have strong reasons to believe MCM has illegally gathered and used my personal information without my consent. This is a serious invasion of my privacy and a violation of federal and state consumer protection laws.

Their continued contact, despite my lack of agreement and evidence of the debt, appears to be a deliberate act of harassment.

4. Pattern of Misconduct : MCMs actions reflect a pattern of intimidation and illegal debt collection tactics, including : Failing to provide written verification of the debt.

Issuing false or misleading threats of legal action.

Contacting me using personal information that they may have obtained unlawfully.

Company response to consumer: Closed with non-monetary relief