vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - XXXX XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-27 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: NY

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and XXXX  It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and XXXX. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: OH

Complaint narrative:
My personal information is being reported inaccurately on my credit file. The following names and addresses are incorrect. 

NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX The only name that should appear on my credit file is XXXX XXXX. 

Secondly, they are several addresses that are being reported on my credit file inaccurately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX The only name and address that should be listed on my credit file is as follows XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please note that my employment is also inaccurately being reported. I no longer work at XXXX XXXX. 
7.

5.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As new information arrives from Bank of America this case becomes more and more crazy. And still no answers. In the mail last XXXX appears 19 pages of transactions. The 19 pages was Bank of Americas " proof '' that these were mine. This tells me nothing. It doesn't give proof that I was the one who made these transactions. I am not even sure why the 19 pages were sent to me as all but XXXX were my true transactions. This has now gone on for XXXX years and to say that I am beyond frustrated with the way BofA has handled this should go without saying. XXXX years and i am being sent transactions that I have not disputed intermixed with those that are not mine. In the XXXX pages and XXXX transactions that are not mine the money I am owed is {$5400.00}. In addition to the XXXX pages I continue to get in the mail new claims and new claims numbers. The only list that you should have gone off of arrived with the police report in XXXX. That is a complete list of transactions that are not mine. I also have noticed on the XXXX pages sent that the dentist who was issuing a refund and I have emails stating that they did their own internal investigation and found the charges to be fraud. They were going to issue a refund for over XXXX Why did BofA not post this refund to my account?? Why is it still on the XXXX pages?? XXXX, XXXX, XXXX XXXX they are all still on the XXXX pages and you still think they are my transactions. When even the company knows they aren't. 

I would like a provisional credit of XXXX. While you take the next 4 years to sort this out. I am tired of waiting for my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: Spring Oaks Capital, LLC
State: VT

Complaint narrative:
I had a bankruptcy discharge and the account was included in the bankruptcy that have it as a charge off I ask them to remove it and they haven't and the company knew abt the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I pulled up my credit report and notice that GM Financial has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reportsXXXX GM Financial should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
At the beginning of XXXX, I received a email from XXXX XXXX  saying that no minimum payment was required at this time, therefore I didn't make a payment. 
I then received an email and text on XX/XX/year> saying my payment was past due and now I own a late fee. I don't understand. I was sent conflicting information. If I hadn't received the email saying no min payment was due, I would have made my payment as usual. I only owe {$XXXX} on this account and plan on paying this full balance within the next month ( XXXX ). 
This company should be waving my late fee since they are ones that made a mistake. 
Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Purchased XXXX XXXX XXXX XX/XX/XXXX I totaled the vehicle the insurance company paid the amount it was worth. I forget what its call when you pay extra money in case the insurance doesnt cover how much you owe. I was very aware that all payments was taking care of until TD Finance added me to my credit report. TD Finance informed me the company that takes care of that after the insurance pay what its worth deduct wear and tear and there were no marks, dirt or tears. So in order to get it off my credit I paid for it to have a XXXX balance and they still out it on my credit I have been calling but know respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried several times to have TransUnion remove these fraudulent accounts from ( XXXX XXXX XXXX amount {$1100.00} & amount {$1400.00} ) from my credit report, I have given them a Identity theft report, a police report, and a signed and notarized affidavit of identity theft but they still are reporting this account on my credit report causing me to miss out on credit opportunities. They just tell me they are investigating & still let the negative information showing affecting my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX  Broken ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX  which was transferred from my Robinhood wallet. 

I made two attempts in getting some answers directly from Robinhood, but i was bluntly ignored. I will attach complain letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: Experian Information Solutions Inc.
State: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything 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 supposed to modify accounts that aren't reporting correctly.

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 2024-05-27 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: NY

Complaint narrative:
The Following information is all incorrect and fradulent on my account even the names phones and even the social security numbers. 
Credit cards and credit lines XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14.00} Status Account charged off. {$14.00} written off. {$12.00} past due as of XX/XX/XXXX. 
addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family Phone numbers ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular Social security numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have a mortgage for a condo in XXXX XXXX IL. My mortgage was initially through XXXX XXXX, it was sold to Mr. Cooper powered by XXXX XXXX in XX/XX/XXXX. My mortgage gets raised every year to due to an escrow shortage, but it appears to me the increase in price is wildly disproportionate to the actual tax and home owners insurance increases. I am unclear how or why I ever fell into an escrow shortage, as I have never once missed a mortgage payment. This year in particular, the mortgage raised by {$1900.00} for the year while my home owners insurance went down and taxes have only raised by {$41.00} so far. I am also observing some discrepancies between statements and I'm unclear where those are coming from I initially called my mortgage provider regarding this issue on XX/XX/XXXX and spoke with XXXX. She told me that the mortgage had gone up because they had it marked in the system that the second installment needed to get paid in XXXX, when it actually needed to get paid in XXXX. She noted that change and told me the escrow payments should drop. on XXXX I observed the payments hadn't dropped so I contacted my mortgage provider again. On this day, I spoke with XXXX. XXXX told me that XXXX was misinformed, she stated that there were XXXX main issues. I initially fell behind because the tax rate was calculated incorrectly when I first signed the mortgage, so there wasn't enough getting put in the escrow to begin with. Another issue is that my account wasn't meeting a minimum balance requirement. She could not explain to me what the minimum balance requirement was, how that was calculated, or when or how I fell below that. I am still confused about what that is. 

In reviewing my statements today to write this complaint, I also observed a discrepancy between my XXXX escrow statement and my XXXX escrow statement My escrow statement in XX/XX/XXXX stated my final end balance for XX/XX/XXXX was {$1900.00}. The XXXX XXXX statement says that the starting balance for XXXX was {$1400.00}. There is nothing documenting where those {$500.00} in funds went. 

I also observed a weird discrepancy between the tax bill I pulled from the and the escrow statement. The mortgage statement states that they paid {$2000.00} in taxes in XX/XX/XXXX, but the tax statement from XXXX XXXX XXXX says they received {$1800.00} in XX/XX/XXXX. 

I would like a third party professional to review my documents, help me understand the escrow calculations, and explain the discrepancies I am finding please.

Company response to consumer: Closed with explanation