vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
Never received assignment contract and debt validation letter from national credits system inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I gave access to my card to my girlfreind as an authorized user. She was removed as an authorized user about XXXX  years ago. When she was on the account, she signed up for a recurring annual subscription. I was charged again recently. I don't see how I can responsible for a charge occurring now when she was removed XXXX years ago. If anything, I have been defrauded by ex-girlfreind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 Experian REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage informing me that I am owed funds related to a previous mortgage from XXXX. Despite holding my money for XXXX years, they are now delaying the payment. 

The letter instructed me to submit a signed response in order to claim the funds, or else the money would be sent to the state as unclaimed property. I promptly complied, sending my response via both fax and postal mail, as requested. Despite following their instructions, Dovenmuehle Mortgage is now refusing to pay me the amount owed. 

Throughout my mortgage, I was required to make timely payments, yet they are XXXX years late in returning my funds. I believe this is unacceptable, and I request assistance to resolve this matter and receive the payment that is rightfully owed to me. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I deposited in an ATM {$400.00} cash and it did not offer a receipt. I contacted the bank on same day by phone to advise them of this issue and they said they would research it. On XX/XX/year> they sent a letter advising they were reviewing my request. On XX/XX/year> another letter stated that they did not find a record of any deposit of the {$400.00} cash at that ATM machine on XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I visited the local branch on XXXXXXXX XXXX XXXX XXXX to complain about the response of not finding any deposit. Then I have now contacted your agency to help me with this issue. It is a Citibank NA ATM machine at a location that does not have human service just standalone ATM machines.

The reference number on the two letters and my complaint to Citibank is 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each credit bureau is not reporting accurate information. The creditors are reporting this as charged off but they are showing a balance due no 1099 was ever received even though they reorted this as a bad debt none of the last dates active is the same XXXX has the account listed twice as a repo but started reporting in XXXX of XXXX  as a charge off Equifax has thus account listed as a charge off but has been reporting as a paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I have provided this information to BSI Financial Services, the mortgage company, before many times on the phone and in emails. I have also provided letters from my bank explaining the problem and I have provided all information that BSI requested, including my relevant monthly bank statements showing that my wife and I tried to deposit BSI 's check 2 times early in XX/XX/year>2024 and that it was returned. The issue is that we had an escrow overpayment to our BSI mortgage account. BSI issued a paper check which we tried to deposit, and our bank, returned that check, " Returned Check Charge Back Item '' in XX/XX/year>2024. Our bank researched this issue and wrote a letter explaining which I forwarded to BSI along with my relevant back the latter requested by BSI. I have called multiple times and emailed multiple times. I received a reply through some XXXXrdparty ( who apparently received the reply by mistake, I have no idea the relation to BSI ) one time explaining to me that I could request a stop check and they would issue a replacement check and that they would help me do so. I requested this help that they issue a stop check and reissue a replacement via multiple emails and during calls with BSI and NOTHING happens. I have also requested that this issue be escaleated to BSI XXXX  XXXX  duirng a call and supposedly was transferred to a XXXX  voice message and I was told the XXXX would call me back, and in over 2 weeks since then and I have received no communicaiton back from BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: WA

Complaint narrative:
I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized .... the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report nor applied to them. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I noticed on my XXXX credit report that I have duplicate listings of my student loans. Nelnet is reporting a loan balance. However, Nelnet transferred my loans to XXXX so I no longer have a loan balance with Nelnet. XXXX is reporting this transferred loan balance. This is accurate. My credit reports shows Nelnet and XXXX loan balances, doubling my reported total student loan balance. This has dropped my credit score by over XXXX points. 

XXXX does not have duplicate listings but has Nelnet listed instead of the accurate loan servicer, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted from my TransUnion Credit Report 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/2024 Amount Charged Off : {$16000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Saturday, XX/XX/2024, my BMO checking account had two unauthorized transactions pending, one at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$20.00} plus an additional {$0.00} foreign transaction fee, and another at XXXX XXXX XXXX XXXX XXXX XXXX plus an additional {$1.00} foreign transaction fee. 

Both of these companies are in the XXXX and I was in the XXXX the entire time. 

This rendered my account negative, despite the fact that I have no overdraft protection and the charges should have been rejected if there was insufficient funds in the account. 

I immediately contacted my bank, who stated that the charges needed to post in order for me to dispute them. I formally disputed them the next business day, XX/XX/2024. The bank opened an investigation and also stated that since the charges were attempted with my debit card several times, the bank authorized them. My debit card is rarely used and was in my possession the entire time. I canceled the debit cards immediately as well. 

Note that the BMO complaint form includes charges for {$20.00} and {$43.00}, respectively, which do not match the fraudulent charges exactly with the foreign transaction fees. 

The companies in question apparently have no website or phone numbers listed and were not easily contacted. 

Today, XXXX XXXX XXXX BMO stated that " No action will be taken '' upon review of my claim, despite the fact that I contacted them immediately when the charges were pending, the charges were for XXXX companies even though I was in the XXXX, my debit card was still in my possession and rarely used.

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