vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-15 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: WY

Complaint narrative:
These are unauthorized inquiries ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I have not approved or given written permission to furnish 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 2024-03-15 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: NY

Complaint narrative:
I am a victim of XXXX XXXX please remove this XXXX inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I signed up for a free Experian account to freeze my credit. They send me regular emails which contain non-useful information like that my Credit Balance has changed or that my credit score has changed.

Despite turning off all notices on their website I still receive these. There is no opt-out or unsubscribe option in these emails.

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 2024-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Rushmore Servicing- I have been requesting to close our account since XXXX. I have called and no one could seem to answer my questions or would send me to the wrong contacts. Finally, at the end of XXXX, I received a payoff request from the company ( which there was no money owed ), but they requested {$61.00}. I filled out the requested forms, got the cashier 's check, and overnighted the documents. When I looked online, Rushmore Services applied my {$61.00} to a principal payment that is not needed. They never closed the account. I have tried to contact them by phone and after all the automated prompts, I finally get to a spot where they are going to send me to a service representative and then told they can not take my call and there is no way to leave a message. I tried to email the company again and they told me I had to call. I just want to close my account which I owe nothing on and haven't owed anything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I called Goldman Sachs on XX/XX/XXXX to speak to someone about the interest rate on my master card account. I spoke to someone by the name of XXXX and then asked XXXX to speak to a manager. XXXX told me that he was the highest person I could speak to at Goldman Sachs. He then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2024-03-15 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: MO

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 explanation
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: MO

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I would like to confirm of this company because i have paid several times and i do not receive any receipts but only where i need to go to submit my payment. I feel like when i get a call from them it should be at decent time or a voicemail that connects to the company. I ask that this company to reach out to me in a timely manner with some information to assure me that this legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
It's my understanding that FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? There are inaccuracies in some of the listed accounts, and it's causing me discomfort.

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 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX SPS Loan Number # XXXX ( Page numbers are located at bottom right side of each page ) To whom it may concern, SPS has been adding Flood Insurance to my property since XXXX. In which my monthly payments went up from {$720.00} To {$750.00}, and then in XXXX went up again from {$750.00} to {$780.00}. Therefore, SPS has overcharged me {$350.00} from XXXX. Then in XXXX they did it again and over charged me for the total of XXXX years {$1300.00}. Simply because SPS continues to add Flood Insurance onto my property Knowing that I live in a HOA in which they cover for Flood Insurance. SPS states that the documentation they received did not have the correct address. Which is my fault because it does. I have the paperwork to provide it. 

SPS on XX/XX/XXXX. State that they have removed the Flood Insurance and credit my ESCROW ACCOUNT {$1000.00}. Meaning that at no time was my Escrow Account ever short. If it was ever short, it was caused by SPS adding the Flood Insurance. 

SPS states that the payment of {$780.00} did not include the Flood Insurance. That is not true. Please go to ( Page 1 ). As you can see SPS adjusted the Monthly Payments in XXXX from {$780.00} to {$740.00}. Meaning that the extra cost was due to the Flood Insurance. You can see that the Flood Insurance was added by going to the following ( Pages 8, 13, 14 and 15 ). 

If you look at ( Page 14 and 15 ). You will see that I have included monthly statements for XX/XX/XXXX. Please go to line XX/XX/XXXX there you will see : Flood Insurance in the amount of {$150.00}. Same goes for the statement in XX/XX/XXXX, line item XX/XX/XXXX. 

I have sent nothing but hard facts to SPS showing that the increased monthly payments were due to the adding of the Flood Insurance. But SPS has the gull to state that is not correct. I just can not understand how a mortgage company such as SPS can state that the monthly payments didnt include the Flood Insurance with the amount of PAPERWORK I have submitted. Please see ( Pages 1-12 ) which shows the breakdown The Principal and Interest is {$560.00}. Therefore, by adding {$560.00} + XXXX {$720.00} per month for taxes from XXXX. Same thing goes for XXXX {$560.00} + $ XXXX {$720.00} per month. 

According to SPS the Flood Insurance was not added then why was the payment at {$780.00} instead of {$720.00} for XXXX??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus ( XX/XX/year> ) to update this suspicious information. I think you have not validated these accounts in accordance with SectionXXXX 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 including it again. 
XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}

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 2024-03-15 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2022

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
In doing a home equity loan my lender found a judgement against me through Discover Bank that is not me but someone whose name is close to mine. 



My name & address : XXXX XXXX XXXX XXXX- the address I have lived at for the past XXXX  years is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The name & address on this judgement is : XXXX XXXX and the address listed for her is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Date on judgement is : XX/XX/XXXX ) This is clearly a case of mistaken identity and therefore this needs to be removed from my credit and name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is my second complaint or follow up on my previous complaint XXXX. As they failed to provide me with the temporary credit due to my lost card, right after I filled my first complaint with CFPB they made sure they close my claim the very next day with the explanation the customer has history at the location. Then when their resolutions XXXX contacted me she informed me that my claim is denied for a second time, this time with explanation given that there were transactions between the disputed ones and that I should contact the claims department for more details. All the other lies and timeframes that were given to me by her agents werent even mentioned. Anyways I called the claim department to check which ones are the transactions between, we come to the conclusion that whoever was taking my claim the night I called had included wrong transaction that was done the day before, they went ahead and reopen my claim now for the third time but my money were not given back to me even as a temporary credit as they call it that should be added to the account by the next business day. Since day 1 I reported my card lost, they keep doing mistakes that they dont take responsibility for from telling me 3 different timeframes when would I receive my temporary credit, to be told your temporary credit is denied without any reason stated, then once I file a complaint to CFPM they go ahead and speedy deny my claim with explanation really not suitable to be given by official of nationwide XXXX XXXX XXXX its suitable to be given by someone who has no education or training in this matter. Then the second denial is due to a mistake of their own employees. And upon my insisting to receive the temporary credit today, my phone call was dropped by their supervisor. 
Anyone stay away from them as they do not take any liability when fraud happens instead they will keep finding imaginable reasons who are not backed up by any fact just not to pay what you have lost even tho you report promptly with a police report! As their website says 0 liability for fraud activities as long as they are reported promptly could be true if it was followed by 0 liability for Bank of America Ridiculous, Unprofessional and more importantly LIARS

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I paid off my credit card with my bonus on XX/XX/XXXX, around {$3200.00}, which showed removed from my bank account on XX/XX/XXXX. I attempted to make a {$1500.00} purchase on XX/XX/XXXX and was denied through insufficient funds. I called Synchrony bank and they informed me that my payment was completed, but I could not use my card until the XXXX because they had put a hold on the payment. I explained that it had already cleared my bank account and they said there was nothing they could do. So I am unable to use the card for 7 days even though I paid it on time. If this was known, I wouldnt have paid the card off and been dependent on it to pay for things this weekend.

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