vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from 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 explanation
Consumer complaint received 2024-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have repeatedly requested a forbearance from Bank of America, and they have made multiple mistakes on my mortgage loan and forbearance process. On the first occasion they entered the wrong date, which had to be corrected after my complaints because the date error made me ineligible for forbearance. The second occasion the sent me the wrong paperwork. On the third occasion, they sent me the wrong paperwork again, and when I called them about it today, they were still entering the wrong program for my mortgage revision even after Ive contacted them multiple times to correct this. I fear that Bank of Americas repeated errors are going to cause my home to go into foreclosure. Every interaction Ive had with Bank of America during this process has revealed errors and incompetence in resolving my issue. I feel that I need protection from being forced or tricked into a foreclosure.

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 2024-02-15 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I kept getting calls from CashNetUSA I thought it was a joke did not think they was trying to reach me for a loan but when they repeated my social and date of birth I got worried they said they gave this money to me and it was sent to my checking account XXXXXXXX XXXX and sent confirmation to my email I told them I never got any email from them and they repeated an email I was never ever associated with and I have not had an account with XXXXXXXX XXXX since XXXX I went to XXXX and said they are unable to give me a letter of who is on this account ending in XXXX nor give me a letter to state I am not on this account where the money deposit was sent to I am not getting any help from XXXX branch on hwy XXXX XXXX XXXX and they advised only corporate can fix any legal matters I asked if you have a deposit in my name and I showed Id to send it back to CashNetUSA they refused and said its for corporate to do this is a fraudulent FRAUD transaction I never had an account ending in XXXX the account I had has been closed since XXXX my credit report clearly states identity theft from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
previous employment had caused a lack of working hours which had caused me not to be able to make my monthly payments. Wanting to prevent my mortgage from going to foreclosure.

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 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 I bought a home with a street address. Today I got a call from the post office stating my address had changed. When I called my county office that gives out addresses they told me that the address had changed in XX/XX/2023 before I bought my home. My mortgage lender is Pulte. They did not inform me of this and still to this date have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: OH

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 non-monetary relief
Consumer complaint received 2024-02-16 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: OH

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-15 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: 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. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Good afternoon, I took this mortgage out on XXXX of XXXX. When my mortgage was issued my monthly mortgage payment was {$1900.00} and at the birth of this mortgage I submitted my Property Tax Exemption due to being XXXX XXXX XXXXXXXX Veteran. I provided my mortgage servicer the letter issued from XXXX XXXX XXXX XXXX XXXX. 
Note : I set up auto payment to post on the XX/XX/XXXX from my bank XXXX. 

Now it's XXXX, XXXX, XXXX and Freedom Mortgage withdrew {$3700.00} from my checking account. Note, I was Never notified that this money was going to be withdrew from my account. I immediately called my bank, put a freeze and informed them this was Not authorized. I also called Freedom Mortgage and asked why was my money taken without my permission? This is when I first became aware of the Property Tax issue. My bank was able to return my fund. 

Freedom Mortgage informed me that my property taxes were paid to XXXX XXXX in XXXX of XXXX. Due to my account not having escrow funds to pay the property taxes they forwarded that bill to me and increased my monthly mortgage. May it be noted that Freedom Mortgage already had my property tax exemption letter due to my XXXX XXXX VA XXXX. 

On XX/XX/XXXX I finally received the check from XXXX XXXX XXXX XXXX and I made a payment of {$5900.00} which was to go into my account for the Property Taxes paid XXXX of XXXX. 

I have provided bank statements showing that I have continued making monthly payments on the 1st of every month. Freedom Mortgage continues to show my account as delinquent and the amount I pay is not enough to cover the amount they show. Each and every month Freedom Mortgage has changed the amount of my mortgage payment. 

I am asking if your office can please help correct my monthly mortgage. My mortgage prior to this mistake was {$1900.00}. Now Freedom Mortgage is saying my monthly mortgage is over {$2200.00}. I have called my Home Owners Policy carried by XXXX and it has not incresed to justify the increase. 

I have called and emailed Freedom Mortgage just about every month since XX/XX/XXXX trying to get this issue corrected. 

If you have any questions, feel free to contact me. 

Thank you, 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below.

Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who

may have knowledge concerning any such items of information. They stated my account ( s
) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below. 
Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MA

Complaint narrative:
I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist. 

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome. 

XXXX. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy. 

XXXX. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my XXXX XXXX. 

XXXX. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft. 

XXXX. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry. 

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on 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 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Why are they not honoring my scra benefits for the current line of credit? The scra should apply to the entire life of the loan which I have had since XXXX until present. 

I receive the loan in XXXX and I went on XXXX XXXX XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
Request a copy of credit report there were accounts that didnt belong to me so I contacted my bank to have they freeze all my accounts until further notice

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 2024-02-15 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: OK

Complaint narrative:
Request a copy of credit report there were accounts that didnt belong to me so I contacted my bank to have they freeze all my accounts until further notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
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: DISCOVER BANK
State: LA

Complaint narrative:
I am tired of you all being lousy at this organization and at Discover. At this point, I am about to close out the entire account. I uploaded proof that the stylist agreed to issue a refund and it keeps being ignored! I am going to police to get my money back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: MI

Complaint narrative:
As of XX/XX/XXXX I received my updated credit report from XXXX. I have noticed that an account is in FACT reporting late payment. On a account that was CLOSED 6 months ago PAID IN FULL. This account is reporting on my Equifax report as late for XX/XX/XXXX. This is a DIRECT VIOLATION of 15 USC 1681e ( b ). A violation of 15 USC 1681 s-2 ( a ) & ( b ). A violation of USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). Equifax has reported inaccurate errors with actual knowledge. Equifax has also reported inaccurate errors AFTER proof/notice and confirmation of errors. I have attached solid proof that XXXX XXXX XXXX XXXX XXXX and Equifax are reporting late payments. That is on a CLOSED Paid in full Account closed on XX/XX/XXXX. This is just unacceptable and down right wrong on every level. How does this make any sense. To still report on a account that has been closed for 6 months. Then 6 months later receives a late payment on something that shouldn't even be reported on. I have spoke directly with the XXXX XXXX personnel in response to this 6 month problem. I was told that there isn't any DELINQUENT account reporting to Equifax or XXXX. That the account was closed and paid in full. See the attachments letters in regards to that situation. The only resolution to this is to DELETE this account IMMEDIATELY. I am now forced to seek a consumer attorney and file a lawsuit against Equifax and XXXX. If this account isn't DELETED from my Equifax and XXXX credit profiles. I've attached solid and direct proof to my complaint so you all can see.

Company response to consumer: Closed with explanation