vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MO

Complaint narrative:
I started a dispute over XXXX XXXX taking money out on 7 XXXX XXXX. Somehow they asked to confirm my identity with answering questions about personal history. I got XXXX wrong was asked by caller who spoke no XXXX and hardly understood. They asked for letter I received in the mail I sent them a copy and they refused it. I have told them repeatedly I have never lived at address was friends I used to receive mail only

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 2024-04-20 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed that the company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-04-20 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: NY

Complaint narrative:
This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: MD

Complaint narrative:
Around XX/XX/year>, I called Mr. Copper and requested to have my Biweekly ACH withdrawal put on hold for either my XX/XX/XXXX or XX/XX/XXXX payment, because I was getting 3 paychecks in the month of XXXX ( XXXX, XXXX, and XXXX ). After speaking with their representative, he advised me that XX/XX/XXXX payments would be skipped and my ACH would start back up for my XX/XX/XXXX payment. After speaking with the representative, I called my bank the next day, because I knew Mr. Copper would XXXX things up. Mr. Cooper is a horrible mortgage company and I have had a number of issues with them in past. I never had any issues with XXXX XXXX XXXX XXXX  sold my mortgage to Mr. Cooper. 

I requested my bank " XXXX XXXX XXXX XXXX XXXX XXXX  to hold my ACH withdrawal to Mr. Cooper and I explained to them why. 

On XX/XX/year>, I received a call from my bank who stated that Mr. Cooper attempted to withdrawal the money. I released my account so my XX/XX/XXXX payment could be taken as scheduled. 

On XX/XX/year>, Mr. Cooper never took the mortgage payment. I called and sent an email and never heard from them. 

On XX/XX/year>, Mr. Cooper never took my mortgage payment and I called and sent an email and never heard back. This is 2 mortgage payments that were missed. 

I finally got a hold of a representative who advised me that my ACH was canceled per " My Request ''. I advised the representative that I never called and canceled it. I explained to the representative what took place and I requested to have it reactivated. I advised her that it took over a year for Mr. Cooper to get my ACH up and running, because they kept screwing things up. I requested to speak with XXXX from their Escalation Dept. I also requested to have my recorded conversation on that dated and time pulled for them to review. I was told that someone would get back to me. 

No one has never gotten back to me and I have sent several emails. 

I am now getting text messages and emails about my mortgage payments being late. 

I have another mortgage payment due on XX/XX/year>. This will make 3 payments that Mr. Cooper failed to withdrawal with my Biweekly ACH. 

I have all the funds in my checking account waiting for Mr. Cooper to resolve this issue and reactivate my ACH biweekly payments. 

On my last email sent to Mr. Cooper on XX/XX/year>, I advised them, that I would be submitting a complaint to the CFPB, Maryland Attorney General 's Office and XXXX XXXX XXXX XXXX 

As of FridayXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not head from Mr. Cooper XXXX 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed unauthorized credit accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

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 2024-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
Kahrs Law office P.A. in XXXX, KS levied my XXXX XXXX XXXX XXXX account for XXXX dollars and took all of my money from my bank account and XXXX it out. XXXX XXXX XXXX XXXX acknowledged that they disclosed to Kahrs Law office my account balance, routing and account number to their office and XXXX XXXX which I know has to be illegal practices. XXXX XXXX XXXX XXXX claimed they were being " served " by the law office but I never got any letter in the mail or any communication whatsoever from Kahrs Law office, XXXX XXXX XXXX XXXX or the XXXX XXXX District Court where I live before the funds were put on hold and automatically drafted from my account on XX/XX/2024. I live in XXXX XXXX, Kansas. The time limit statute of limitations for debt in Kansas is 5 years. This debt is almost 7 years old and is originally from XXXX XXXX. They claim it's XXXX dollars in debt and I never got anything in the mail or any communication/ letters or phone calls from their office saying I owe this amount to Kahrs Law office. This is an exaggerated amount of debt/ old debt and I am asking this debt be forgiven please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Funding Metrics LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX on behalf of Funding Metrics has violated the privacy rights as a citizen by contacting my elderly mother and other family members by leaving voicemail messages saying that me and my company would be sued. I have never heard of this company or representative so he sounded incoherent. I did not recognize the number nor did he sound like a legitimate company. He only called me once so I can only be concluded and alleged that XXXXunding Metrics put this person up to this because it is not much information about this company anywhere except for a website and a XXXX XXXX. Per the documents below-he knew that I was not at those numbers and that it was other family members he was leaving the messages for. He admitted that he left sensitive confidential private information on various family members cell phone numbers and home numbers which those numbers were not tied to me. After I sent a Cease and Desist letter to the owner of Funding Metrics and XXXX so he continued to reach out to my family members discussing sensitive information regarding a Financial matter after I asked him to refrain from contacting my family or business associates. I informed Funding Metrics of the collection activity so the representative apologize and told me to reach out to a manager so I have included the CEO of Funding Metrics since there is no contacts listed that we could reach out to this person who Funding Metrics employed. We are humans so they have left threatening messages to me and my mother. My mother was disturbed by the voicemail messages where he said that he and Funding Metrics would sue me and my company. I am looking for assistance per the XXXX ways of this company has contacted me and other family members. This company has revealed personal financial information to my mother and other family members and leaving messages to threaten to sue me and my company. He has called other family members to discuss important sensitive financial matters which violated my privacy rights of me. It has been discriminatory in terms of the financial terms and collections efforts. This company has left multiple messages to harass, bully and embarrass me and my family. I have spoken to XXXX of Funding Metrics so it was no need to violate my privacy rights and civil rights. I communicated to XXXX that the financial was not correct.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TN

Complaint narrative:
FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
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. 
XXXX XXXX : # XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer.

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

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.

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 2024-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that some inaccurate accounts and late payments were reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that some inaccurate accounts and late payments were reporting.

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 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Brief history : I purchased a car on XXXX. I had an issue in XX/XX/XXXX and dropped off two payment at the office on XXXX XXXX in XXXX. It was not recorded until XXXX. Reporting that I was late with XXXX payment. At that time I requested DUE DATE CHANGE. Didn't really have and issues until XXXX. XXXX happened to MY ENTIRE. My father and sister passed away in XXXX. When I called to make arrangement I was told that my account was very delinquent. I explained I don't know how that is possible when I pay more than is required. I told that my payments were late every month. I explained that I requested a payment due date change years ago. I was doing everything in my power to take care of the situation to no avail. In XXXX my account was closed and charged off. The amount stated due at that time was {$3500.00}. I was attempting to pay it months later and I realized that it had increased as of XXXX {$3900.00}. So from XX/XX/XXXX- XX/XX/XXXX it increased {$370.00}. I didn't have the extra {$370.00}. So, over time it continued to increase. During this time I never received anything about what was owed. I had requested documentation many times over the years to no avail ( I did get letters saying they were charging me for no Insurance though ) So I stopped asking as it was increasing stress causing physical health issues/ XXXX to flare. All the while working on coming up with the payoff so I can get the Title to the car. 

Current issue : On XXXX I checked my credit report it has currently a balance of {$4500.00} reported on XXXX I contacted Lobel to make the payment in the amount of {$4500.00}. It hasn't been a month since they reported that amount of {$4500.00} and I was told that I owe {$5300.00} that it increased {$830.00} in less than a month AND THAT THE ACCOUNT WAS NOT CLOSED OR CHARGED OFF. I was told that I had to pay that amount in full. And my car was in repo status. I was trying to pay the {$4500.00} even though I was charged fees that I didn't know about as I had most often paid more than amount due in efforts to pay it off early. From XX/XX/XXXX to XX/XX/XXXX IT INCREASED BY {$340.00}. Then in less then a month it increased {$830.00}. I will attached evidence of documentation from credit report that have no identifying information and can provide the copy with identifying information if required ( ALSO HAVE AUDIO OF CALLS from XXXX and XXXX where I tried to make the payment of {$4500.00}. I have other calls documented but it will take some time to locate them. Speaking with XXXX XXXX on XXXX I was told that it is not supposed to increase after it's been charged off and closed when I was attempting to locate documentation of the increases. I also have the recording from that call as well. ) Which is why I was trying to pay the {$4500.00} that reported on my credit. I definitely feel there is fraud happening here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

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 2024-04-20 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:
FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.

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