vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: VA

Complaint narrative:
As of XX/XX/2022 I tried reaching out several times and filling disputes with XXXX and XXXX to update my loan balance to reflect XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: VA

Complaint narrative:
As of XX/XX/2022 I tried reaching out several times and filling disputes with Experian and XXXX to update my loan balance to reflect XXXX dollars.

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 2023-07-10 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: FL

Complaint narrative:
On or about XX/XX/2021, after me being released from the XXXX XXXX XXXX XXXX, XXXX  ; XX/XX/XXXX, XXXX XX/XX/2021, I checked my credit report thru XXXX report confirmation number : XXXX, Transunion.com file number : XXXX, and found many fraudulent notations on that report : XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX XXXX XXXX account XXXX in the amount of {$460.00}, XXXX XXXX XXXX account XXXX in the amount of {$300.00}, XXXX XXXX account XXXX, in the amount of {$490.00}, XXXX XXXX XXXX XXXX. account XXXX, in the amount of {$550.00}, and found many fraudulent notations on the reports and immediately contacted the reporting companies fraud department and I submitted a complaint to no avail has the issues been resolved nor has the erroneous notations been removed from my reports, Credit.

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 2023-07-10 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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NC

Complaint narrative:
On XXXX XXXX XXXX, I decided to check my Transunion credit file and noticed that their was a company listed : Company Name : XXXX XXXX XXXX XXXX. 
Account # : XXXX On XXXX XXXX XXXX I mailed out a certified letter to Transunion informing them that I have noticed inaccuracies in there reporting on me. I requested that Transunion investigate and verify the accuracy of this account from " XXXX XXXX XXXX XXXX ''. On XX/XX/, I received a letter from Transunion stating that they have investigated this unknown " XXXX XXXX XXXX XXXX '' account and verified that it was accurate along with a copy of my credit report. On XXXX XXXX XXXX, I mailed out another certified letter informing Transunion that the reporting of this item is extremely important to me and the description of the procedure used to determine the accuracy and completeness of the information is requested. I gave Transunion XXXX  days to provide me with the name, address, and telephone number of each person contacted regarding this alleged account. I also requested a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay " XXXX XXXX XXXX XXXX '' the exact amount claimed. On XXXX XXXX XXXX  I received a letter from Transunion claiming that they have completed the investigation, and the disputed information was verified as accurate along with a copy of my credit report. On XXXX XXXX XXXX I mailed out another certified letter to Transunion informing them that they have failed to provide me with a document bearing my signed signature, the description of the procedure used to determine the accuracy and completeness of the information, and the name, address, and telephone number of each person contacted regarding this alleged account. I also informed Transunion that they have also violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY. I also informed Transunion that they have also violated federal law and 15 US CODE 1681i ( 7 ) '', by not properly investigating within the 15-day timeframe. I also I demanded that they remove this XXXX XXXX XXXX XXXX account immediately. On XXXX XXXX XXXX I received another letter from Transunion claiming that they have investigated and the account was verified as accurate along with a copy of my credit report. Transunion continues to send me the same information over and over again, and none of it contains what I have requested. This issue has caused me denials, distress, money, and time.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, I was sent a video that I needed to watch telling me my escrow was negative and my payments were going to be adjusted. I had XXXX options, pay a lump sum of {$1600.00} or have my monthly payment increase by $ XXXX the next XXXX  months. If I took no action the XXXX was going to be the default payment raising my mortgage from {$900.00} to {$920.00}. 
However this was not the case, I received a email that the amount being withdrawn, since we are on biweekly payments was {$520.00}. This makes my monthly payment {$1000.00}.

I called NewRez the week of the XXXX to inquire about this. I was told it was to make sure my escrow wasnt negative again, when I informed them that this payment was the same amount that I owe for escrow, over XXXX months instead of XXXX, I was told that I should have never been offered the 60 month option. I told them, that I was, and I would like that rate. I was then told that it would have to be submitted for manager approval and I would receive communication via email within XXXX hours. I informed them that due to their track record of lack of communication and not resolving issues in a timely manner, that if I didnt hear anything in the timeframe or shortly after I would be filing a complaint. On XX/XX/10 the amount of {$520.00} was processed on auto payment without my approval.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I tried to view my current interest rate for my credit card. I logged in to their online platform and tried to look up the interest rate and it can not be accessed. 

Usually, they provide interest rates on their statements, and their Help FAQ section tells customers to look at statements to find the rate. However, I have not had any recent transactions on this card, and without transactions, they do not provide statements. I can request to have a paper statement sent to me, but that could take up to 7-10 business days. 

I called the help line to confirm, and the representative not only confirmed this, but she said there would be nothing to send because Bank of America does give statements without recent activity. She also could not find the current interest rate for me to view on my portal and had to transfer me to a supervisor. 

I think this is criminal and not ok that consumers can not view their interest rates to know what they are going to be charged before deciding to use a credit card. Bank of America should give a statement each month, regardless of whether or not there are transactions, and they should give customers access to their interest rate information 24/7.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the accounts on my credit report because those are not mine.

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 2023-07-10 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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TN

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : .XXXX  OPENED XX/XX/XXXX FOR {$130.00}, XXXX XXXX XXXX  OPENED XX/XX/XXXX FOR {$230.00}, XXXX  XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX OPENED XX/XX/XXXX FOR {$190.00}, XXXX OPENED XX/XX/XXXX FOR $ XXXX.BY LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : .XXXX  OPENED XX/XX/XXXX FOR {$130.00}XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$230.00}, XXXX  XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX OPENED XX/XX/XXXX FOR {$190.00}, XXXX OPENED XX/XX/XXXX FOR $ XXXX LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-07-10 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: MD

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. 

XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 section 602 A Section 2 : it 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 take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any 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 2023-07-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IL

Complaint narrative:
I was renting a home in the block of XXXX XXXX XXXX in XXXX we came to and agreement to vacate the property l did and l have the letter from the court stating XXXX balance and the creditor is the landlord and he wont take the judgement off and he is not holding up his end of agreement and l have the documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
payment history involving Cross Country Mortgage is incorrect. The months will be listed below. 
XXXX XXXX - XX/XX/XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.

Company response to consumer: Closed with non-monetary relief