vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XX/XX/year> our mortgage servicer, mr.Cooper, requested a copy of our current homeowners policy page showing that we have proper insurance. They indicated by email ours was due to expire. I attempted XXXX times to upload our current, in-force policy page to them, but each time I received an email stating it was rejected and to check the dates. As it is a current policy, I called mr.Cooper and was told our insurance company was XXXX XXXX XXXX XXXX and they require a rating of XXXX or better. A letter we received in XXXX stated a XXXX  was acceptable. I am told this was a mistake. We are now facing force placed insurance and feel this is not right. I have been with XXXX  XXXX for over 45 years. We do not owe a large loan, and it is difficult to locate another company acceptable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-11-10 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. BELOW ARE INQUIRIES : 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 2024-11-10 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. BELOW ARE INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, XXXX XXXX and XXXX XXXXXXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed

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 2024-11-11 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: GA

Complaint narrative:
I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, XXXX XXXX and XXXX XXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
XX/XX/XXXX and XXXX of 2024 I opened disputes through XXXX XXXXXXXX XXXX XXXX ( CURRENT ) that held my money on a total of XXXX different transactions with a merchant ( XXXX XXXX XXXX XXXX ). 

This financial company in its self standing duties and obligations acts as a gateway to my deposit account. It is supposed to reflect and collect all my financial information and keep me up-to-date on what's going on with my account and I go to it with my daily financial information and i give CURRENT my currency to put into my account and in return they provide me with a debt card that provides correct informed to my deposit account. 

**REASON FOR MY COMPLAINT WITH CURRENT** XXXX XXXX XXXX XXXX is not representing me in good faith or attempting to fix any situation arising out of the card they gave me. CURRENT is acting on behalf of the merchant instead of me in any dispute I have opened. Nonetheless, CURRENT negligently represents me in any case I have opened. They won't provide Clarification or communication with the actions taken on my debit card which holds full access and authority to my deposit account during disputes or any time. Leaving me clueless to what they take and what actions they are making on my deposit account. This is very concerning and I've asked for information several times with only vague responses or none at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following Account name : XXXX XXXX  Account number : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

Under code 1681 ( e ) B it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates. 

After you have finish my request, send me a copy of my credit report reflecting these changes. 

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 2024-11-10 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:
I was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-11-10 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: PA

Complaint narrative:
I was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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 was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXXXXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX  BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : - 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 2024-11-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had fraud on this account and the company is claiming they do not have evidence to support my claim and will not refund my money. I noticed a problem in XX/XX/XXXX when logging in online. I called the company and they told me there was an issue and to call my employer to allow me to sign on. They also said the current card I had ending in XXXX was reported lost. I told them I still had the card in my possession and did not report it lost. At that time I stopped all future direct deposits and requested a new card. The card never arrived. I then received a new card from my employer on XX/XX/XXXX because a new other card never arrived. The card ends in XXXX. I tried to use my card on XX/XX/XXXX and it was rejected. I called and discovered all my money was gone. The company told me the purchases were made with card ending in XXXX. I stated it was not me as I was never in possession of that card. I tried to file a dispute on XX/XX/XXXX but was told I had to wait 7 days. I was able to file the dispute XX/XX/XXXX. Comdata sent me an email on XXXX stating no evidence to support my claim. I have requested the documentation and have not received it yet. I do not even know what " evidence '' they have to support that these transactions were made by me. You will see the number of times someone got into my account or called Comdata  to change the address to Florida and PA. I do not and never lived in these states. I have only lived in XXXX. The transactions and fees related to this fraud are : XXXX : {$25.00} XX/XX/XXXX : {$25.00} XX/XX/XXXX. {$.00} ( there are XXXX transactions for this amount on this day ) XX/XX/XXXX : {$.00} XX/XX/XXXX : {$16.00} ( includes a XXXX fee ) XX/XX/XXXX : {$990.00} ( includes a {$3.00} fee ) Total : {$1000.00} They did refund me {$25.00} but not sure what for. However, the current balance in the account is {$23.00}. Not sure how it is less then the {$25.00} refunded. 

Comdata 's security measures as utterly pathetic. They only ask for a card number and date of birth when you call in. 

I did not make these purchases and want my money back. I am a single mother with XXXX XXXX  and feel victimized not only by the person ( s ) who have stolen my money but also by Comdata.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In according with the fair credit reporting Act AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Several overdraft charges occurring by delayed payment processing and pending transactions. Available balance is inaccurate which then creates overdraft of account. Dates between XXXX XX/XX/year> 2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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:
I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXXXXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. I have already attempted to have XXXX remove this account but unfortunately, they are continuing to be negligent, and I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
have reached out multiple times about Account XXXX XXXX and XXXX who have been reporting since XXXX XXXX in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802. 
15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

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