vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. Trans Union has a late in XXXX, XXXX has a late in XXXX, and XXXX has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.

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 2023-09-01 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 received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. XXXX XXXX has a late in XXXX, XXXX has a late in XXXX, and Equifax has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-01 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: AL

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

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

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 2023-09-01 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: AL

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Name : 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

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 2023-09-01 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: OH

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-09-01 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: OH

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

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 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 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Private Mortgage insurance was removed from my account. The escrow was closed. 

The only thing I should be paying Bank of America on XXXX XXXX XXXX is for principal and interest. 

I called Bank of America home loans to verify the payment amount for XX/XX/3 and was told the payment included {$95.00} for escrow. 

Why is Bank of America secretly taking out {$95.00} per month on a closed escrow account. This should be illegal and Im not sure theyre calculating the principle and interest correctly

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 2023-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX REQUEST FOR REFUND OF EXCESS ESCROW FUNDS XXXX XXXX EXEMPTION ( PAST YEARS ) - NO REFUND RECEIVED AS OF XX/XX/XXXX CMG Financial A Division of CMG Mortgage , Inc. ( CA Secretary of State ID # XXXX & XXXX ) NMLS # XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX LOAN # XXXX I sent an email about when I should expect my refund ( s ) for {$1300.00} and {$1200.00} from CMG Financial who is my current mortgage company now. This request was made on XX/XX/XXXX. I called their office at the ( XXXX ) and also send a message on their website with a letter requesting this refund. This refund was created by me being a XXXX XXXX  and qualifying for a higher exemption. This higher exemption resulted in refund ( s ) owed to me for these amounts. Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX. I have made several requests for my Escrow Overages be refunded immediately. No Refund for {$1300.00} or {$1200.00} which they already have in their possession, I have not received. I sat on the phone trying to speak to a supervisor. The customer service and their process doesnt benefit anyone but themselves. When I had an Escrow Shortage, they contacted me immediately to get their money and didnt care how I got the money. Not the shoe is on the other foot, they owe me this money and I need my money. This money has been sitting in my escrow account since XX/XX/XXXX. XXXX. I logged into my mortgage account to verify. Their service and their Process sucks!!!!! 

Other Names & Information Associated With ; ( XXXX ) XXXX cmortgage.loanadministration.com XXXX XXXX XXXXXXXX XXXX XXXX Loan Administration CMG Mortgage Inc - California Secretary of State - # XXXX ) MG Mortgage Inc - California Secretary of State - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: SC

Complaint narrative:
XX/XX/XXXX : Flagstar paid, in error, XXXX XXXX from my escrow account in the amount of {$1400.00}. 
I have never dealt with XXXX, and the policy number Flagstar provided is tied to another person entirely. 

XX/XX/XXXX : XXXX XXXX issued a refund to the policy holder in the amount of {$1400.00}. 

XX/XX/XXXX : XXXX customer/policy holder cashes the check in the amount of {$1400.00} End of XXXX XX/XX/XXXX : XXXX ( My new mortgage servicer ) did an escrow analysis and then reported to me an absurd negative balance. Ive spent, in total, close to XXXX hours on the phone between Flagstar, XXXX, and XXXX figuring out what error was made and trying to get it resolved. Flagstar has given me the run around and has yet to provide any resolution, despite them clearly being at fault. 

XX/XX/XXXX : Flagstar representative told me a refund will be issued from XXXX XXXX and I should coordinate with them. 

XX/XX/XXXX : I contact XXXX in reference to the information Flagstar provided, and they had no record and were not ready to provide a refund.

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 2023-09-01 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: LA

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: LA

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.

has violated my rights. Or list of inquiries 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 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX XXXX XXXX XXXX XXXX  opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX Bank opened XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

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 2023-09-01 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: Southern Management Systems Inc.
State: OK

Complaint narrative:
On XX/XX/2023 A dispute was made with XXXX for an account that has already been paid for from a different collection agency ( XXXX  ) for the same original creditor ( XXXX apartments ). I provided receipts and notified current collection agency ( Southern Management ) that debt was already paid and it needs to be deleted from my credit report. However the account was just updated and never deleted due to accurate and verified information The current collection agency requested proof of payment which proof has been provided. I just want to make sure account is removed as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: PA

Complaint narrative:
I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately

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 2023-09-01 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: OH

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-09-01 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: PA

Complaint narrative:
I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately

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 2023-09-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: OH

Complaint narrative:
I check my credit religiously meaning daily. My Experian credit score dropped XXXX points on XX/XX/2023 when there were NO changes to my credit report. IT'LL USUALLY TELL YOU THE CHANGES THIS TIME THERE WE'RE NONE. When I say NO changes I mean NOT ONE. No added credit nothing was deleted my balances didn't decrease OR increase. No inquiries in over a year absolutely nothing happened. I think your system is glitching. I need you to restore my points ASAP. 
I spoke to XXXX on XX/XX/2023 who verified there were NO changes to my account he also spoke w a Supervisor neither of them could figure out why my score just dropped XXXX points when nothing was even reported. He created a case and assured me on the call that my points would be restored. Experian case # 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 2023-09-01 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: MI

Complaint narrative:
Equifax has placed an account XXXX XXXX on my account. This account is not reporting accurately. It is a requirement to report completely and accurately. Please update the error from 120 days to OK status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received a Bank of America checking account. Called the Bank of America number and told them i never opened an account and asking how this happened without me showing prof of id and forms of id. They said they would look into it. I asked for statements as i had a statement sent to me that someone put money into it and withdrew money as well. They wouldnt give me much info since i didnt open this myself. Im really upset and unsure how someone opens a checking account in my name- without proof of id amd Im not sure what other info is out there in me for identity fraud.

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