vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: AZ

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 2024-08-19 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I sent out a request for a duplicate title dating XX/XX/XXXX. Prior to that I have the vehicle paid off in full dating back to XX/XX/XXXX For the amount of about {$12000.00}. I have made countless calls and requests to Hyundai for a duplicate title to be sent to my current address and yet they continue to send it to my prior address that I no longer live at. I have received nothing but a run around for months about this issue and I am at my wits end. I spoke with a representative who said that the duplicate title was mailed out back in XX/XX/XXXX but to the incorrect address. I have spoken to numerous representatives of supervisors to make a note and date on the account that I have a new address for the past XXXX years and I no longer reside at the address that is on file. I understood that there was a different protocol to take for a deceased account since I am doing this on behalf of my mother, this is however, taking too long. This has been the second time they have mailed the duplicate title to the incorrect address and I have made Letters stating the correct address to send any documentation to, and it seems as though these letters are being ignored or simply not read.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result 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 explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result 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 explanation
Consumer complaint received 2024-08-19 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:
On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 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:
On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Tried to resolve during the many several calls I received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an email that my check for {$1000.00} was accepted and that it was on hold until XX/XX/XXXX. 
I called to ask why and they said they can hold it for 7 days. 
On XX/XX/XXXX, I received an email that they accepted my check for {$2900.00}. I asked the paying bank if it went through and it had by the XXXX. 
This one is very frustrating because I have no money to buy groceries in the meantime, as well as no money for gas and I need to make a trip. This time, they are saying they will get it to me on XX/XX/XXXX. 
I dont understand why they are holding it. Did Chase bank run out of money in the bank? 
I called corporate to ask why, as the company themselves put it on their website that according to federal law, it must be available within 2 to 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
XXXX XXXX serviced the mortgage for a short time. After XXXX XXXX XXXX, XXXX XXXX XXXX has serviced my mortgage for 6 - 8 years. I've set up payment through my bank to pay my mortgage. I usually pay twice a week to pay for the month. Due to XXXX XXXX XXXX XXXX and being forced to retire, my payment strategy has shifted. So, on XX/XX/XXXX, I made a payment ( through my online banking set-up ) for {$2200.00}. ( The mortgage payment is {$2300.00}, but it is an error because they include insurance, which I have already paid and is another to-do list item to reconcile with mortgage services. ) A few days later, RoundPoint sent a letter stating they had taken over my mortgage. When I called customer service at Roudpoint with many questions, they stated the following : credit reporting will not occur for 60 days use their Round Point app to make payments they do not know what happened to the XX/XX/XXXX XXXX XXXX transferring issues could be the cause of why the XX/XX/XXXX {$2200.00} payment has not been applied call back On XX/XX/XXXX, the Roundpoint App, I paid {$2300.00}. When I paid this amount through the app, I noticed a red flag stating it was 25 days past due. This red flag wording indicated they had not applied the XX/XX/XXXX payment. A few days later, I called Roundpoint to get answers to some of my questions.

When I called the number, the automated voice stated that RoundPoint is a debt collection agency, and the customer service rep informed me that my mortgage was a debt. The customer service rep explained that Roundpoint services loans and collects debt. To my horror and surprise, I responded that I did not want my mortgage being serviced with Roundpoiunt, and they sounded like a scam. The customer service rep placed me on mute because they were not responding to my words. While I was on the line, asking if anyone was there, the automotive voice came on for me to take a survey. Promptly after hanging up with that call, once the automated survey was voiced, I filed a complaint with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX, GA XXXXSubject : Inquiry Regarding Discrepancy in Credit Inquiries Between XXXX and Credit KarmaDear XXXX XXXX I am writing to request clarification on a serious discrepancy regarding the number of credit inquiries reported between your service and Credit Karma XXXX When I checked my credit report directly on the XXXX website, my report indicates that I have no credit inquiries. However, Credit Karma shows that I have 15 hard inquiries on my credit report, which is significantly inconsistent with the information reported on XXXX own platform.The credit inquiries reported on Credit Karma are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and others.It is critical that my credit report reflects accurate information across all platforms, and I am concerned that this discrepancy might impact my creditworthiness.As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all consumer information they report is accurate, complete, and up-to-date. Additionally, the FCRA Section 611 requires that any dispute related to incorrect information must be investigated and rectified promptly.Request for Clarification and Resolution : Why does Credit Karma reflect 15 hard inquiries, while my credit report on the XXXX website shows none? What steps can XXXX take to investigate and resolve this discrepancy, ensuring that the information on both platforms is aligned and accurate? Please provide a detailed explanation of the source of these discrepancies, and whether there are any system errors or reporting issues that need to be addressed.I kindly request that you investigate this matter and provide a written response explaining the discrepancy and the actions being taken to ensure that my credit report is accurately reflected across all platforms, including Credit Karma.If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX  Account number # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
Mr. Cooper is the company. I have tried several times to contact Mr. Cooper via their phone and chat process. These processes do not provide answers to the questions I have. Mr. Cooper has set up a never-ending loop that does not allow you to speak to a live person to solve your issue. And at some point it just hangs up on you. 

Mr. Cooper 's communication process is not equipped to solve customer issues and XXXX is built a certain way so as not to solve problems. 

I need to discuss an escrow issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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. 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. Please explain how you verified there was a late payment in XX/XX/XXXX when there never was. 
XXXX  XXXX Account Number : XXXX If unable to explain how you verified this late payment then please update to paid as agreed never late. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX Account Number : XXXX Please delete immediately. 

XXXX. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting a balance. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX  Account Number : XXXX Please delete immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX XXXX Account Number : XXXX Please delete immediately.

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