vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: OR

Complaint narrative:
DNF Associates of New York has reported me to XXXX for a charged off debt that was first reported delinquent and last paid on XX/XX/2016. The original debt was issued by XXXX XXXX XXXXXXXX, charged off, and closed. However, this debt is now over 7-years old. I am concerned because this entry is adversely impacting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I signed a contract with Rocket Mortgage, to refinance my house, that I owned free and clear. The home did not have insurance as I had bought it for cash tears earlier. As part of the closing, I agreed for home owners insurance and flood insurance to be paid for out of the my equity funds at closing, and then to pay extra each month for the insurances and taxes to be paid in escrow. 
However, something happened with the Flood Insurance and there was a wrong address or something, and I was told the check was sent to the insurance company, but no flood insurance was placed. I then received a letter from Rocket Mortgage telling me I allowed my Flood Insurance lapse. It is impossible for me to allow it to lapse, because it was paid for in closing and is escrowed. 
I contacted the mortgage company and all they would say is they were going to get Force Placed Insurance, so I contacted insurance agent and the mortgage broker trying to find out why I was going on. At this point, the mortgage company and the closing agent should have been looking into this. We eventually got the issue cleared up, which required me having to pay cash to the insurance comp-any, which was not the original contract agreement. 
Meanwhile, Rocket did the Force Place Insurance and changed my mortgage amount, then changed it again, and then charged me for the mistake. 
My mortgage is just under XXXX and I have paid XXXX early every month, yet I have not received full credit for my extra payments, and then Rocket began charging me late fees because I refuse to pay for the mistake in closing. 
Finally, they sold my mortgage and passed the problem to another company, where that company charged me fees that Rocket passed on, including a late fee, when all my payments have been made early. 
Rocket mortgage refused to work with me and fix the mistake that was made in closing. It seems the consumer was the only one not protected during the closing, and all the professional licensed professionals involved in the closing absolved themselves of all responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
On XXXX XXXX, I decided to review my credit report.After reviewing my credit report amongst the 3 credit bureaus ( XXXX, XXXX and Transunion ), I noticed that there was unauthorized use of my personal identifying information as stated in section 603-15 U.S.C.1681a ( q ) ( 3 ) of the Fair Credit Reporting Act.Following my review of my credit report, I proceeded to file an identity theft report on the identitytheft.gov which I submitted on XXXX XXXXOn XXXX XXXX, I also submitted a letter to XXXX, TransUnion and XXXX to notify them of the situation.The specific details on my credit report that I am referring to is XXXX XXXX and they are stating that had I had a balance of XXXX which was paid then closed.Also, on my credit report is a claim from XXXX XXXX XXXX.They are stating that I have a balance which totals the amount of XXXXThat account was opened on XXXXThey have it as an open status.XXXX  also made a claim towards my report and they are reporting that I have a collection account in which I have a past due balance of {$320.00}.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with Equifax regarding an error of ownership of an account reported on my credit report on XX/XX/XXXX. 
The account name is XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX PA XXXX : XXXX Phone : ( XXXX ) XXXX I stated to Equifax that I contacted the company XXXX XXXX directly to dispute the account. 
When I called XXXX XXXX, the company 's customer service was unable to find any account associated with my name, address or phone number. They ( apple card ) said I would have to contact the credit reporting company ( equifax ) and that they ( XXXX XXXX ) could not give me any information about an account that was not associated with my name. 
Also XXXX XXXX could not issue me any documents about the account because I don't have an account associated with my name, address or phone number. 
Equifax completed their investigation on ( XX/XX/XXXX ) and concluded the account belonged to me. 
This is inaccurate. 
I do not have an account with XXXX XXXX. 
I have never had an Account with XXXX XXXX. 
XXXX XXXX has no record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: NY

Complaint narrative:
I have i deposit on my account for the amount {$2600.00} still show pending for more the 10 day i not understand why my money still pending transaction wast XX/XX/23 i need you to put my money on my account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX opened a account without my authorization. They did close account but not before reporting to all credit report agencies that I owed over {$60.00} dollars to them They failed To answer my emails and there is no phone number listed for them. Now my report shows a drop of 60 points. They show the debt as a over 30 days. I have no idea what it is I also saw that there are numerous complaints against them that they were fines and repayments made

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In 2019 Navient is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I filed a dispute of consumer debts still reported with 'open ' status after bankruptcy. TransUnion XX/XX/XXXX  reports that I have eight open accounts. Of these eight accounts, one private student loan with XXXX XXXX is still under CFPB dispute since it falls under a category discharged by standard bankruptcy discharge orders, just like most other unsecured consumer debts ( per CFPB XXXX XXXX : Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts ). 
TransUnion initially removed balance of the XXXX XXXX loan and updated three private loans with XXXX XXXX XXXX as 'closed ' included in bankruptcy. However, TransUnion has reinstated all these loans with 'open ' status. I should only have four open accounts, but the XXXX XXXX student loan dispute will get resolved separately. 
For this CFPB dispute, I am disputing the three private loans with XXXX XXXX XXXX that have remarks 'included in the bankruptcy ' but are being reported with 'open ' and 'derogatory ' status vs 'closed '. 
The three personal loans with XXXX XXXX XXXX are on pages 3 and 4 of the 22-page attachment.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Charges were made on my account for XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute as I am XXXX XXXX XXXX  and obviously would not be in these places XXXX Navy federal denied my claim and my appeal. They wont send me documentation as to why it was denied and said the police will have to subpoena the documents. I am troubled that I was willing to send proof of my XXXX to prove I was not at these places. Also same day I have charges that I did make where I live. The distance between the two places is over XXXX mile radius. How can I be at two places at once?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I notified Lendmark financial on Tuesday XX/XX/2023 once I notice a few hard inquiries. I applied with lendmark a few times but the sites states will not affect credit score which I will provide that. I called and spoke with someone in disputing. She stated that when applying it's a hard pull online and I stated your site says WILL NOT AFFECT YOUR CREDIT SCORE. I begin to pull up site and read it to her. After the conversation she states I would just dispute it. I was confused because I stated that's why I'm calling because this is the disputing line. Lendmark financial has false information on their website and states it want affect which would be a soft inquiry but unfortunately it's a hard inquiry and I wasn't aware until now. Lendmark financial need to make customers aware of this and remove that it wont affect credit score because it drops it points for checking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
yes i have tried to reach out to creditor and credit agency by calling and sending in the requested files to have the following fraud accounts removed 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I have an Aspire credit card. Small credit limit but I ve used the card during a time my wife has faced serious health issues. I was late twice by a few hours as they have this XXXX EST CUTOFF on payment dates and had a large payment due. Aspire promised a {$75.00} credit if I made a payment of XXXX by XXXX. I made that large payment on XXXX and no credit given. 5 conversations now where I ve been promised the credit within 14 days from date of XXXX. I still have not received credit and do not believe I will receive. Thats wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC
State: MI

Complaint narrative:
I filed a complaint with DIFS in Michigan. That the agent on my file was discriminatory and biased from Nexa Mortgage. Nexa Mortgage complaince person removed the agent, however never admitted that this agent acted in violation of the law. She did however, demanded that I stay with their company. I disagree. The lender XXXX XXXX has sat quiet the entire process. The circus of performances has been detrimental for me since applying and receiving the approval. As a result I have suffered financial loss, loss of opportunity and severe emotional distress. While we were in the dispute phase. Nexa communicated the DIFS person reliquary. Not that DIFS have closed the file because they say they don't handle commercial disputes. Nexa is back to it's old tricks. And I can't get answer from Nexa or XXXX XXXX. They have prevented me for planning, and moving forward in all capacties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went over my credit and noticed there are a few accounts that I did not authorize

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