vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
Please see attached docusadments. Do not close this complaifsnt stating it is not me. I am a natural person asnd a consumer.

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 2024-01-08 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: GA

Complaint narrative:
This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2023 I received a wire transfer of about {$8200.00} from a company that I regularly do business with. I have been receiving transfers like this on a monthly basis for about XXXX XXXX. A XXXX XXXX after receiving it, I logged into my business XXXX  account with JP Morgan Chase and the {$8200.00} I had received was gone. I did not receive any communication from the bank about this Transaction. 

In addition to the money disappearing, my account was frozen, and scheduled to be closed. Again, I did not receive any communication from JPMorgan Chase about these actions. 

Upon further investigation, JPMorgan Chase has shared with me that they believe the company who sent me the wire is suspected of fraud. There is currently no evidence to support that claim. Even if they was, that doesn't give the JPMorgan Chase the right to steal my property from my account. 

To try and resolve this problem, I have created cases with the XXXX  department the XXXX XXXX department, in the electronic money movements department at JPMorgan Chase. The case numbers are as follows : XXXX & XXXX. 

This issue is still unresolved, my money is still missing, and my account has been closed, and my XXXX XXXX was impacted because I missed a payment to a credit card without realizing it. The sad thing is, I am an employee at JPMorgan Chase. Even with my ability to reach out to contacts internally at the bank this issue has still not been resolved. this is exactly why People are flocking to decentralized finance solutions in droves. Give me my money back, and stay out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the XXXX  XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called 3 way and they did the same thing we're going to take legal actions against Nissan financial and infiniti finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: OK

Complaint narrative:
Funding from the XXXX XXXX XXXX XXXX were sent to Midland Mortgage and were not utilized properly. These funds were to be applied to offset the amount owed from a Covid Forbearance. However, the funds were held over 90 days, the allotted time in which they should've been applied. By withholding the application of these funds, it has forced me into a modification of my loan resulting in a higher monthly payment, higher interest, longer term, and overall price of our loan/home has increased. My original payment has increased from {$1000.00} a month to {$1200.00}. This is a significant change and creates a hardship. This is entire situation is fraudulent and needs to be rectified immediately. Midland Morgage/MidFirst Bank should be investigated, no telling how many others have been affected in the same manner. Reputational Damages will result from this, and I will be seeking the advice of a Lawyer. 

They are very poor with communication. I have not received any communication regarding this issue in over 8-9 months possibly longer.

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 2024-01-09 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: NC

Complaint narrative:
I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX  they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXXXXXX  stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Equifax is breaking the law by reporting this information even though it can not be verified properly us 1681 c 2 XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3100.00} *charge-off*

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
Hello! I recently review my credit report and i was shocked to learn that ive been a victim of identity theft. I found account on my credit report that were not opened by me. This has been hurting me as im in a process of buying home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- ALLY FINANCIAL is breaking the consumer law pertaining to : ALLY FINANCIAL ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!

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 2024-01-08 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: CA

Complaint narrative:
The credit agency is reporting fraudlent accounts on my consumer report. They never contacted me for accuracy instead they published them. I was a victim of identity theft.

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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
I have been receiving relentless robocalls from a collection agency for a payday loan that they claim I took. I have not taken one in many years. I did call the company back one time and they refused to identify who they were and they refused to send proof of the debt when I requested. They state that they have sent the proof to my email and physical address, however, when I informed them that I have not received any letters they still refused to resend. I confirmed that they had the correct email and physical address. They call multiple times per day and each call is a robocall. I told them if they are not going to validate the deby I will not pay it and to stop calling me and they have refused to stop calling me. I tried looking up their phone number and I can not find the name of the company. The numbers they call from appear to be spoofed but the call from XXXX, XXXX, XXXX, XXXX, XXXX XXXXThe calls of shown up on my caller ID as Radius Global and XXXX XXXX XXXX  but I am not sure how accurate either is.

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 2024-01-08 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:
My consumer file is being shared without consent. Inaccurate information is being reported.

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 2024-01-08 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: OH

Complaint narrative:
My consumer file is being shared without consent. Inaccurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: KY

Complaint narrative:
American Coradius International LLC is trying to collect a debt supposedly from XXXX for a nonexistent account. Letter is dated XX/XX/. Their number on the letter is XXXX XXXX XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
XXXX, TRANSUNION, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!

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 2024-01-08 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX  in 2021 and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted XXXX, Transunion, and XXXX via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively

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 2024-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX  in 2021 and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted XXXX, XXXX, and Equifax via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I obtain a forbearance from Carrington Mortgage in XXXX of XXXX  due to water damages to my home as a result of hurricane Eon. Insurances companies have been cancelling home owners policies for no cause, I was already paid a high premium. I reached out to the lender for help. I could not live in the home due to window and flooding damages. I chose to make the needed repairs myself. I was approved for 4 months of no payments without penalties-late charges or reporting to credit bureaus. 

Additionally, I experienced a person tragedy-my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in ICU from a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, like million of young Americans he did not have health insurance. I was force to fight to save his life by paying for a lot of his health care. 

I request that Carrington put the outstanding amount to the back of the loan-they refused. I was told that all outstanding payments must be brought current. This was the only option. I spoke with several representatives from the loan department- at no time was i told that the forbearance will be negatively reported. 

I took money from my retirement fund and made the full payment-bringing the account current. I called several times and spoked with represents I subsequently made ALL payments on time until the selling of said property in XX/XX/. 

I was appalled to find out that Carrington report me as being late for 30-120 days. This has negatively impacted my credit. This is unethical and wrong! Must I be penalized for the next 7 years? 

I am respectfully asking for assistance in expeditiously resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper engaged in fraudulent and deceptive practices over the past 5 months in an attempt to place me in a loan product that was not requested or desired and did not remove the new loan plan after I requested it be removed. 

I lost my job in XXXXXXXX XXXX XXXX and immediately contacted the Mortgage Assistance Department at Mr. Cooper. This is step one of the deception, as that office is called internally as loss mitigation. There was no actual traditional mortgage assistance available, only loan modifications. 

Mr. Cooper 's automated phone system would not recognize simple commands during this time ( such as requesting the loss mitigation department, or asking for a representative ). During the 5 months I had to call in, each time would take multiple attempts to actually speak to the correct person. I believe this was intentionally done by Mr. Cooper so that individuals like myself could not speak to anyone and would be intentionally forced into loan products that only benefited Mr. Cooper. 

After almost 6 weeks of attempting to comply with requests for more information, I received a letter stating they had initiated a loan modification, increasing the terms of my loan by 10 years. I reported that I did not wish to have my loan modified and it was agreed upon verbally. 

However, when I went to make my regular mortgage payment it was applied to the new loan modification, not my original loan. It took several more calls to get the matter straightened out. 

I am an advocate for myself and fair treatment. I bring this concern because I imagine that many more people were stuck in the same circumstances and ended up being forced into loan products due to the inability to speak with a representative on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, XXXX, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!

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