vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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:
A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

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 2023-10-27 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: GA

Complaint narrative:
A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

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 2023-10-27 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion wont let some dispute on online for some reason I want a change on my late payments and collections on my report. Info on the matter is inaccurate all my late payments on my credit should be on time payments. Collections should be remove bc I'm a victim to identity theif FTC Report [ XXXX ] I also have hard inquiries I need removed

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 2023-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I received the XXXX XXXX  dated XXXX XXXX. It was placed by Newrez d/b/a Shellpoint Mortgage Servicing on the account online in XX/XX/2023. This case was closed on XX/XX/2023, voluntarily dismissal with prejudice. The firm XXXX XXXX XXXX re-open the case on XXXX. An affidavit was filed and sent to them with no response. They had a hearing where I was not notified, and they decided to do a foreclosure sale on XX/XX/2023, in XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
What they did to me in XX/XX/2023 is an abuse. I made the payment for the bill I received, but later I found out that I had a balance of {$2.00}. I disputed the charges they added, but they never responded. Instead, they closed the account without resolving my request. Months later, it turns out I owe them more than {$140.00}, and they never addressed my complaint. Upon discovering this, I felt compelled to pay because I didn't want any blemishes on my credit report. Now, it turns out that despite having made the payment, they have reported late payments that I was unaware of. Despite having paid all those fees, I find myself doubly impacted by the negative marks. I've been researching, and this is considered predatory interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: Nelnet, Inc.
State: MI

Complaint narrative:
( XXXX ) XXXX  you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove Nelnet student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and Nelnet responded with tell her to contact the Default Resoution Group.. XXXX  just XXXX mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

Nelnet your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX  remove yourself off my credit reports immediately with in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did a dispute on this fraud account XXXX XXXX with Equifax and the other 2 bureaus. Equifax came back and said this fraud XXXX XXXX account was verified stating it is a CHARGE OFF that is reporting every month a late missed payment since XXXX and XXXX. They stated that this account last reported on there Equifax system on XX/XX/XXXX and it reported it as a late missed payment they have not received any report since then and they stated that they received Data from XXXX that this was a fraud account so they reopened up a XXXX Dispute investigation on XX/XX/XXXXXXXX  after they closed a dispute and inaccurately verified by Equifax and XXXX XXXX which is a FCRA violation that a charged off account can not be open reporting late payments every month. Again Equifax has stated that this account was never closed it is open and has been reporting negative missed payments every month since XX/XX/XXXX, XXXX This below is an Equifax Dispute Department Supervisor that informed me today XX/XX/XXXX. His name is XXXX employee ID # XXXX he is in the Dispute Department. He stated that this account does not showed closed on there system. Every month all of XXXX and XXXX this Fraudulent open XXXX XXXX account has reported late missed payments every month last report was XX/XX/XXXX when they reported a late missed payment it shows charged off but it is open still not closed reporting late payments every month..On my Equifax. Com a subscription I pay for monthly shows this fraudulent open XXXX XXXX  account as CLOSED this account has dropped me XXXX points on XX/XX/XXXX due to this new dispute open that Equifax received from XXXX. This account is a part of the closed installment account statuses on My. Equifax. Com and they are telling me that it is not CLOSED and there is no date of closing it is OPEN and has been reporting once again a late missed payments on my EQUIFAX credit report every month since XX/XX/XXXXXXXX  when this account was charged off. Something needs to be DONE NOW this fraudulent account needs to be DELETED ASAP due to the FCRA violation that it has been charged off and reported inaccurate late missed payments every month since XXXX XXXX..We are going to be in US CONSUMER LITIGATION court in the near future due to this fraudulent XXXX XXXX  open auto loan account that was charged off XX/XX/XXXX. They have harassed me and threatened me as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX  My complaint is regarding BMO. My mortgage is through Bank of the West and in order to reduce my mortgage package rate, I agreed to open a checking and savings account. I worked with Bank of the West to open an account that did not have any sort of fees or minimum amount required. I'm using these accounts solely for the purpose of my mortgage. I also had to fight to get paper statements from BMO when Bank of the West always offered paper statements and now I'm seeing a service and maintenance fees associated with the checking account. 

On XX/XX/ I was charged a service charge for XXXX XXXX and again on XXXX XXXX XXXX XXXX maintenance fee. I contacted the BMO representative and he said they will not change the service or maintenance fees.

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 2023-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I called Midland Mortgage to ask about Mortgage assistance. I was told that someone would CALL me back explaining the process etc. I never got a call! I received a letter stating that I would be notified if anything was needed. When I called to pay my mortgage for XXXX, they had changed my payment from {$2700.00} to {$3600.00} without notifying me about this or to see if I wanted this program in which I DO NOT! I tried to call and was unable to speak with anyone. I was not notified of this. Midland Mortgage did this without discussing this with me! I Am furious. I want to pay my regular payment and late charge for XXXX! Now, I cant pay it because when I called they had me with a payment twice as much. I did not ok this because no one called me with any information I want to pay my XXXX payment and they have changed the payment amount with my authorization.

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 2023-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXX someone placed an auto loan in my name through Bank of America. I have no recollection of it when I found out about it I called them and they gave me a real hard time. I tried to explain to them that I live in Nevada and they explain to me the vehicle was purchased in South Carolina from XX/XX/XXXX to present day they have yet to remove this off of my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-27 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: GA

Complaint narrative:
I Looked upon my credit report and discovered this accounts that need to be deleted.

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 2023-10-27 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: GA

Complaint narrative:
I Looked upon my credit report and discovered this accounts that need to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my consumer credit report. It has come to my attention that an account has been deleted from my report without my authorization or request. 
I recently reviewed my consumer credit report and noticed that the XXXX XXXX  has been deleted from my consumer credit report. I want to clarify that I did not initiate this deletion, nor did I provide any consent for such action. This unauthorized deletion has raised concerns and questions regarding the accuracy and integrity of my consumer credit report. 
As a responsible consumer, I understand the importance of maintaining accurate and up-to-date credit information. It is crucial for me to have a comprehensive and reliable consumer credit report to make informed financial decisions and ensure the accuracy of my creditworthiness. 



I kindly request that you investigate this matter promptly and provide me with a detailed explanation as to why this account was deleted without my consent. Additionally, I would appreciate it if you could reinstate the account on my consumer report until a thorough investigation is conducted. 



Furthermore, I would like to be informed of any steps taken to rectify this situation and prevent similar incidents from occurring in the future. It is essential that Equifax maintains the highest standards of accuracy and security when handling consumer credit information. 



I expect a prompt response within reasonable timeframe to address this matter and provide me with the necessary information. 



Thank you for your attention to this matter. I trust that you will handle this issue with the utmost professionalism and resolve it in a timely manner. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
application number : XXXX Someone tried to open an account on my credit report and Synchrony Bank is the creditor. There is an inquiry on my report that should not be there as i did not open, apply for an account with this company.

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 2023-10-27 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: NY

Complaint narrative:
In accordance with the fair credit report act XXXX  account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. 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 2023-10-27 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: NY

Complaint narrative:
In accordance with the fair credit report act XXXX account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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