vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XX/XX/year>, Mr. Cooper, my mortgage servicer, experienced a significant data breach. This breach led to extensive disruptions in their systems, severely impacting their ability to process payments and communicate effectively with their customers. 
Unfortunately, I was among the many affected by this breach. This Breach has led me to be the victim of inaccurate reporting to the credit bureaus. Prior to the data breach, I was current on all my payments until this point, but there was a considerable delay in processing my ( or any ) payments. After paying in XXXX, i decided to utilize the FHA XXXX forbearance plan option, which requires my account to not be reported as late to the credit bureaus. Despite my adherence to the agreed-upon plan and my best efforts to ensure timely payments, these delays resulted in my payments being reported as late. They again, falsely reported my account late a few months ago, although my payment was given to them, for this I have proof through my bank statements. 

These have been XXXX late reporting 's, without ever even reporting a 30 day late. I don't know how that's even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Ive had a problem with XXXX XXXX from the Merrill Lynch team and Im not gon na explain the problem anymore because I already have. I just want to let yall know that Im going to the Better Business Bureau.

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 2024-07-25 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: Fay Servicing, LLC
State: NJ

Complaint narrative:
I fell behind on my mortgage payments for a property formerly owned by my ex and I starting in XXXX or XXXX of XXXX. During this time forced place insurance coverage was placed on my account. I recall providing my prior servicer ( XXXX XXXX ) my insurance statement for payment through the secure portal and when my mortage payment didn't change I thought it was resolved. However, when I saw the mortgage payment had increased almost {$500.00} it was then that I was unable to continue making payments and I could not reinstate the prior plan. 

When I reached out in early XXXX ( XXXX or XXXX ) to complete a loss mitigation packet I received a letter that my ex had to also submit financial information and sign the loss mitigation packet. In XXXX after our separation, I worked with XXXX XXXX and XXXX to complete a Partial Release of Liability for my ex from the property as well as a quit claim deed. I was not in a financial position to refinance the loan at the time because of bad credit and no money for costs of refinancing a mortgage. 

I called Fay Servicing ( current servicer ) and they stated he remained on the note despite me asking them if they could contact my prior servicer. It took me until recently to obtain the attached documentation from XXXX XXXX of the partial release. My ex understandably would not sign or submit anything for this loss mitigation and the delinquency has continued to accrue penalties, legal fees and now facing foreclosure. When they began to report the delinquency on my credit report and my ex Fay Servicing first reported the delinquency on my son 's credit report who shares the same name as his father. I had to reach out to have that corrected by Fay Servicing and my son had to provide credit reporting information to them to prove they reported the delinquency on his credit. 

While my ex is still named in the Foreclosure, he should not have had the negative credit reporting and I should have been able to move forward with the loss mitigation application without his involvement and began working towards a resolution in early XXXX and prevented reaching the current state of being on the brink of foreclosure. The financial and emotional heartache this has caused me can not be fully expressed. I am now pressed up in a corner and have retained an attorney to file for bankruptcy in order to delay foreclosure. 

I have provided this documentation to the foreclosure attorney XXXX XXXX who has escalated this to my servicer but never at any time despite my or my exes ' calls, despite the incorrect credit reporting to my son did Fay make any attempt to research this with the prior servicer. We called and asked a supervisor from Fay to contact us and never received that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: SC

Complaint narrative:
Someone put an account in my name with XXXX XXXX XXXX XXXX. The amount is in {$590.00}. This is not my debt. I do not have an account with them. The collection company is Collection Bureau Hudson Valley.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
For months NCB MGT Srv INC has called my office phone several times a day, they let me answer, wait a moment, and then hang up on me. I called them back on XX/XX/XXXX and explained that the number they are calling is for a real estate office, not a personal number and to stop calling as it is disruptive to my business. I was then asked my name, they told me I am not who they are looking for and said they would stop calling. My call log only goes back to last Monday, I have included pictures from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They call from multiple phone numbers XXXX XXXX XXXX XXXX are a few and they are still calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion, XXXX, and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.

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 2024-07-25 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: DE

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sta
tes : no consumer reporting agenc

y 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital, one has allowed Unauthorized withdrawal of around {$24000.00} from our saving account over 3 months ago. Someone in their organization allowed these funds to leave our account and now they are not helping in any way to re-collect it or refund it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft. Some compromised my identity and using it for their personal gain..

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 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have an auto payment setup for the balance for my credit card from truist whom i also bank with. I discovered on my last month i was charged twice for the same exact amount for my credit card payment. this issue was resolved with no problems. when i discovered that this had been going on since XX/XX/year> i called again. the lady i spoke to said that they would be able to give me a full refund within three to five business days. after the fifth day only one more refund had been received. When I called again today they had told me they could only honor one more payment because of the following : my credit card had exceeded its limit, it was a lot to process, and that i had waited too long to file a complaint. I had little choice in using the credit card because my checking account was suffering because of these payments. i had made the mistake of trusting the bank that i have been with for over twelve years, to handle my credit card payment that was from them.

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 2024-07-25 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
sofi bank has put restriction on my account and not releasing the restriction for over XXXX months, i have no problem with credit and any other bank or financial institute please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CL Holdings LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: TX

Complaint narrative:
This Debtor keeps calling me from multiple phone numbers throughout the day, I have seen up to XXXX times in XXXX day from an agency about a debt that I have asked to settle multiply times, I have them to send me the paperwork by email or mail along with all payments made and not made and told me they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: OK

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-07-25 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NC

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. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX.- Account # XXXX Account name : Department of Education.- Account # XXXX Account name XXXX XXXX Account # XXXX Account name : XXXX  XXXX. 

Account name : XXXX XXXX Account name : Screening Reports Account name : XXXX XXXX XXXX XXXX, Has violated my rights. 

I looked at my XXXX 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.

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information. 

In general, after any reinvestigation under paragraph ( XXXX ) 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 promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 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 1681 they are supposed 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