vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-22 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-22 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: WA

Complaint narrative:
Mr. Cooper, my mortgage company, continues to deadname me. I have submitted my legal name change documentation as requested, and while it was processed in some form ( after two tries, the first time they failed to update my first name and only updated my last name ) such that my statements and tax forms have my correct, current, and legal name, their online service portal and their transaction descriptions when debiting my bank account continue to use my prior deadname. I have contacted their support via phone and chat at least four times, and each time been promised that it was fixed, that they just needed to delete my online account and then have me recreate it. When I go through that process, their website says " We're having trouble finding your loan '' with my legal last name and XXXX. Tellingly, it will find it under my prior ( dead ) last name. However, continuing with that process just results in a new online account where I am again being deadnamed. At this point their failure to fix this is harassment and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I requested a copy of the XXXX XXXX XXXX to verify that the debt was purchased significantly lower than the amount they say I owe them. And further they have put a lien on my primary residence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., 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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX 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. Also, per XXXX XXXX please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
I am writing to request the steps your company undertook during the investigation of the disputed item. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed account of how you obtained these particular responses. 

Below is the account that I am disputing : XXXX XXXX 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 2024-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Was on forbearance die to lose of job caused by XXXX. Was informed that the missed payments would go to the back of the loan when the forbearance ended. Instead I was requested to pay all missed payments at once in XXXX of 2023. In XXXX of 2023 I attempted to make a payment XXXX times but the app and website had my account unable to accept payments. 

They offered to do a modification that was increasing my payment from XXXX to over XXXX. I refused and they began foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management is the collection agency, and on XXXX I asked for a copy of a signed contract for this debt and told them I was disputing this debt, and I never received a copy of a signed contract that this was my debt, and I don't believe that it is and now my pay is being garnished at 25 % and when I spoke to them again on XXXX when I saw several things in my credit report with the Midland name on it I again asked for signed documents that show it's mine and informed them they have 21 business days to get that to me and that they failed to comply with the time I spoke with them on XXXX and then was told I better send it to them in writing and I told them it's their place to provide me the documents I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I requested an investigation to remove inaccurate information from my credit report, i.e. accounts that are not correct or not mine and address and phone numbers that don't belong to me! The credit bureau has failed to investigate and or remove these inaccurate items. This is my second attempt to have these items corrected. But the credit reporting agency refuses to investigate and provide me with validation.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I requested an investigation to remove inaccurate information from my credit report, XXXX. accounts that are not correct or not mine and address and phone numbers that don't belong to me! The credit bureau has failed to investigate and or remove these inaccurate items. This is my second attempt to have these items corrected. But the credit reporting agency refuses to investigate and provide me with validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A merchant charged {$2500.00} to my credit card on XX/XX/XXXX. The merchant acknowledged on XX/XX/XXXX that they had saved our credit card and erroneously ran the credit card while promising a refund. I immediately notified Chase Credit Card of the unauthorized transaction and requested a new credit card as this merchant had been saving out credit card details without consent. 

Chase Bank closed the fraud investigation on XX/XX/XXXX without informing us. Subsequently, when we called them on XX/XX/XXXX, they suggested that this was not a fraud case but a dispute case. A dispute case was opened on XX/XX/XXXX but now the Bank is saying that is not a dispute case but a Fraud Case and therefore dispute case needs to be closed. 

It has been over 2 months. The Bank never reached out to me once and every interaction with the Bank is Pillar to Post between their 2 own departments who want to close cases but not help us for something we should not have been charged in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 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:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my dispute by Bank of America. On XX/XX/year>, I reached out to Bank of America regarding a XXXX XXXX XXXX  purchase made on XX/XX/year> in XXXX XXXX, which I realized was from a non-reputable company. 

Here are the details of my situation : 1. **Initial Concerns : ** After the purchase, I discovered that the company had a negative XXXX rating and multiple negative online reviews regarding their service and inflated prices. 
2. **Sales Environment : ** The presentation was conducted in a highly intense and persuasive environment. Despite my better judgment, I made the purchase after the vacation representative verbally assured me that I could cancel the package by contacting a company representative, and that the company offered a money-back guarantee. 
3. **Failed Communication Attempts : ** I attempted to contact the merchant multiple times via email and phone. No one answered my calls, and my emails were returned as " address not found, '' confirming my suspicion that the company might be a scam. 
4. **Bank of Americas Response : ** The credit card representative did not document my reported interactions with the company. I was given incorrect information about where to fax my documents. My documents were not uploaded to my account, causing me to make several calls to verify receipt. Eventually, my dispute was denied with a notice advising me to resolve the issue with the unreachable merchant. 
5. **Further Attempts : ** Despite my continued efforts to reach the merchant, I was unsuccessful. On one occasion when I did reach someone, I was told that they could not assist me because I needed to contact the specific office that signed me up. They provided no further assistance in locating that office. 

I am seeking your assistance in resolving this matter. I believe this company is a complete rip-off, and I am simply requesting a refund. Bank of Americas mishandling of my dispute has caused me significant stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

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 2024-07-22 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: LA

Complaint narrative:
Fraudulent item on my credit report theyve sent this card to multiple times to multiple at the same time and that should have been a red flag they shipped XXXX cards to XXXX different states all within the month of XXXX. The person or persons applied with my information that was stolen and had the card shipped to different addresses in different states

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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, 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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On my consumer report it states I opened a vehicle loan on XX/XX/year> on XXXX Then On XXXX the date is XX/XX/year> which is AUTOMATICALLY a RED FLAG. From the beginning I realized I was being illegally double charged when purchasing a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX. I asked if they participated in the Truth In Lending Act and they stated Yes which this Act protects my personal rights as an consumer when buying or leasing, which also states that if I as a consumer was to purchase the vehicle which was a 2021 Challenger that by it being on my credit I was never supposed to pay a down payment CASH in which I gave ( XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX ) XXXX dollars CASH. In which was a violation to me as a consumer and also a violation of Federal Law Code ( s ) 15 USC 41, 15 USC 1601, & 15 USC 1681 ( b ). 

Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp
State: MN

Complaint narrative:
I and husband were in XXXX bankruptcy and I was still paying a little each month ( even during covid ) and no amount was being applied to the principal. I emailed the service provider in XXXX of 2023 to ask why and to also ask why that this account was showing up delinquent in Husbands credit report. He is a co-signer but also in XXXX. 

Was told that all would be fixed and applied correctly and for the husbands credit report it was but now I am back on full payments and I see the last XXXX payments ( XXXX ) that only XXXX has been applied to the principal. Just wondering if this is fair and correct The principal is for XXXX and inpaid interest balance is almost XXXX and then the collection on top of that is almost XXXX so my little loan is now costing me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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 recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX  data breach as well as 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 2024-07-22 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: TX

Complaint narrative:
I recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX data breach as well as Equifax.

Company response to consumer: Closed with explanation