vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage XXXX, TX XXXX XXXX Fixed rate impounded mtg. Escrow deficiencies more than satisfied on two different requests yet payment still went up claiming taxes and insurance went up. Well of course they did and I sent in more than you asked on both requests. Then they said it was for the safety margin and I said I would send more $ and they said they would refuse it. I will retire soon and I want to keep my payments as low as possible. If escrow is satisfied then payments should not go up, not one bit! 

My last contact with the Escrow Mgr or Supervisor at Freedom Mtg was approx 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 2023-02-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX XXXX XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

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 2023-02-21 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: CA

Complaint narrative:
The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2023-02-21 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, XXXX XXXX, american express, & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as Home Depot, XXXX XXXX, XXXX XXXX, & XXXXXXXX

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 2023-02-21 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: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},

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 2023-02-21 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: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
The Department of Education/Nelnet is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
XX/XX/XXXX I sent a request to The 3 Consumer Reporting Agencies reporting inaccuracies listed on my COnsumer Report. In XX/XX/XXXX, XXXX acknowledged the errors and deleted the inaccurate accounts from my consumer report. 

Incompliance with the FCRA 611 ( a ) ( 5 ) ( d ), Consumer reporting agencies use a ACDV ( automated consumer dispute verification ) system, there is a feature designed to provide consistency in consumer reports across the various reporting agencies. The Automated Carbon Copies feature was designed to have any changes, deletion be communicated to the various reporting agencies. I requested that XXXX and Transunion review the deletions processed by XXXX and update my consumer report with said information. Not sending the Automated Carbon Copy is in itself a violation. I attached the initial credit report from XX/XX/XXXX and the modified consumer report from XX/XX/XXXX showing the deletions. 

XXXX XXXX - Acct # XXXX XXXXXXXX XXXX - Acct # 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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My initial request for mortgage assistance through Well Fargo began in XX/XX/XXXX. I became unemployed in XXXX of that year but I had enough savings to maintain my payments. I began reaching out to the Home Preservation program I was assigned a representative. However, calls to said rep went unreturned, and I began falling behind on my payments. I was left to believe that I would not receive any assistance to help me avoid foreclosure. I sought the assistance of the KeepYour Home California program. Upon qualifying for the payment assistance program some payments were made to Wells Fargo on my behalf. The application process took several months before it made the first payment to Wells Fargo. The Keep Your home program began making payments in XXXX. Wells listed several programs and I was denied access to them all. I initially filed XXXX XXXX in XX/XX/XXXX to avoid foreclosure. I believe that if Wells Fargo would have offered me any of the programs they advertised the forbearance program, a reinstatement program, or a loan refinance program the equity value at that time was greater than the balance of the loan. Had I been allowed access to any of these programs I would have been able to avoid the expenses associated with a XXXX XXXXXXXX filing. I do believe I deserve some relief for all the anguish they have caused my family and myself.

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 2023-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

1. XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

2. XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

3. XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

6. XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

7. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

8. XXXX XXXX XXXX charge off account and 9. XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

9. XXXX XXXX XXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

10. XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account has been included in my bankruptcy and should be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I recently went to try and use the card I had for a long time only to find out they closed my account. My old card was stolen and I reported it in 2022 they sent a card to me XX/XX/2022 but I never received it and they confirmed the card was never activated. I explained I had the card locked the entire time because I never received it. So they closed the account for a card i havent received in over a year and damaged my credit scored by removing the account. Which is beyond unfair. And tell me my only option is to apply for another card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: NC

Complaint narrative:
This company State Collection service , Inc sent me collection letter on XX/XX/2023 for {$59000.00}. I don't who this company is or never had a contact or die business with State collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXXXXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
On the XXXX of every month I'm being charged XXXX to XXXX dollars in fees in which XXXX is for interest and XXXX is towards principal balance the other XXXX is going towards something called a customary fee... I've made these payments for almost a year now and only XXXX dollars has come off of my principal balance of XXXX dollars, if I continue to make these payments it will take 30 years to pay off this XXXX dollar loan because of this customary fee... I've done research on Title Max and found that your Bureau fined them 9 million dollars back in 2016 for it's unlawful acts in the states of Georgia, Alabama, and Tennessee, TN being the state I reside in... I've went in to speak to an agent at the XXXX XXXX XXXX location and the agent couldn't explain to me what this customary fee is and neither is it explained in their payment documents sent to me each month, this customary fee is a direct implication of predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently paid off a collection account with an agreement that upon receipt of the payment, a " pay for deletion '' would be sent to the credit bureaus. It has been over 60 days and this account is still showing on my credit report. This account was paid in full XX/XX/22. I have attached the receipt of payment and the letters I have sent to the credit bureaus.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have received letters/emails from several companies stating that they have denied my application. 

XXXX. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
XXXX. XXXX dated XX/XX/XXXX email. 
XXXX. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX  XXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various 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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have received letters/emails from several companies stating that they have denied my application. 

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXX was a Hard inquiry through XXXX. They also have been notfied. I have changed most all of my passwords for various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, This is in reference to CFBP- XXXX Its my right to receive a investigation within 30 days. This has been open since XX/XX/XXXX with no resolution. I would like them to remove the following as it is not verified and incorrect. 

1. 30 day late payment from XXXX  XXXX XXXX on XX/XX/XXXX 2. XXXX account XXXX for {$750.00}. 

This has caused me issues with moving out of my apartment and getting a new car.

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