vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
My mortgage is with First United Bank. On XX/XX/XXXX my property taxes were paid from escrow for the amount of {$2500.00}. Property taxes are the only item paid from escrow. On XX/XX/XXXX I had an escrow balance of {$2700.00}. I called First United Bank at XXXX and spoke with XXXX. I notified XXXX of the escrow overage and requested an escrow analysis. XXXX agreed. 
An analysis was done and on XX/XX/XXXX my escrow balance was showing XXXX. On XX/XX/XXXX I spoke with XXXX at First United Bank and I was told that a check was mailed to me on XX/XX/XXXX in the amount of {$2100.00} and I should receive that in ten business days. I did not receive it. On XX/XX/XXXX I spoke with XXXX at First United Bank. He said I should receive the check within 15 business days. I asked XXXX where they cut the checks and was told XXXX Texas. XXXX is a XXXX XXXX XXXX for me. I suggested that they could cut a check there and I would pick it up at the bank in XXXX. XXXX replied, they do not allow that. On XX/XX/XXXX, I still had not received a check in the mail so I called again and spoke to XXXX. At first XXXX couldn't even find any information on my escrow other than the current balance. I had to inform XXXX of the entire situation and everything I've been through and then she located the information. She said I should have had the check within 10 days. She suggested to stop pay on the check and mail another. Ok, the mail again... no. she then suggested a stop pay and I could give her my banking information and they would do an ACH deposit. I do not trust them with my banking information so that was declined. I said that I would be willing to pick up a check at the XXXX Texas location as this is 10 minutes from me. Again, I was told they do not allow that. At this point, I don't believe they have even mailed a check. They mail a monthly statement to my home and I get those every month. How does that happen? If I don't make my payment on the XXXX of the month, they are calling me and asking why I haven't made my payment and not nice about it either. The calls continue until I've made my payment. Now, I'm still waiting to receive my Federally regulated overage of my escrow in a timely manner and I believe it's delay, delay, delay, with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.

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 2024-02-26 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/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 2024-02-26 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: AR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet account access issue Unable to access the site. Can not log in after multiple multiple attempts, resetting passwords, etc. Always says I am not recognized. Emailed twice, escalation promised. No response. Hours holding on the phone - unable to continue holding. Once a lady answered, when asking if I can pay over the phone she said she had no idea how to take payments over the phone. Promised someone would be calling/emailing me. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I took out a loan from Credit FreshXXXX XXXX XXXX  in XX/XX/year>. Their loans are extremely predatory. I am paying {$240.00} a month for a {$2400.00} loan. Out of the {$240.00}, only {$40.00} dollars are going towards my balance, meaning Credit Fresh is charging me {$200.00} just for having an account with them or in what they call " billying cycle charges ''. 
Their system is designed for you to not be able to pay your debt unless you pay it all at once. This loan will take me about 5 years to pay off, in which they will pocket about {$12000.00} in fees. I can't recall if at the time they had the examples and loan/billing cycle charges, but they have modified the agreements, and I can not find the original one. The first one I see available for me is the amended one on XX/XX/year> and by the time, I had already been making monthly payments, since XX/XX/year>. Additionally, they included an arbitration agreement to their policies so that they can not be sued. 
There are multiple XXXX  complaints regarding this company. I urge to please look into them. I took a loan at a time of need, and I still find myself paying it 2 years later. They are draining my bank account every month. 24 months later paying 240 a month I have paid more than double what I initially borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX Balance : {$0.00}.

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 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX I'm XXXX XXXX years old I have been fighting for 7 years to remove this fraudulent information from my credit report. The three major credit bureaus Experian, XXXX, XXXX would remove both depts from my credit file after I would file a dispute the next month they would remove the two collections from my credit report and then put both back on. Take it off put back on my credit score has dropped now my Mortgage lender stated I'm no longer Approved, neither is my XXXX XXXX XXXX mother were buying a home together. Dear Sir it was not on my credit report when we first applied and approved. The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, they have scared me and my Mother they keep threating me calling me from robot phones threating to sue me, and harassing me constantly for a XXXX XXXX Credit Card stating I owe {$960.00} account # XXXX. I never had a contract with this company. I keep disputing the information to be removed this so called dept is over 7 years old. The second collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX has just popped up again on my credit report was removed 3 years ago and is now placed back on my credit report this dept of collection is also over 7 years old which I have no knowledge of nor have I ever had XXXX XXXX Experian Account # XXXX These two collections have ruined My American Dream to become a Home Owner. I have never had a contract with these collection agency please help me to remove these collections from my credit report. Also there is an address I never lived at on my credit report that Experian refuses to remove ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I was apart of Breach with XXXX and XXXX when my information was stolen breach. I had to get a new driver license and everything.

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 2024-02-26 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-26 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX On XX/XX/XXXX @ XXXX XXXX  I sent a Certified mail to the companies XXXX XXXX XXXX XXXX XXXX XXXX of my Data leak on the Dark Web, the printed page from EQUIFAX Data Breach site showing I was affected by their Negligence of protecting my data. A Cover Letter with Directions explanations and amounts Im immediately owed and what will happen if they dont comply and respond appropriately with my Money in various options and I have a invoice for Due damages in correlation to every thing. 
I will be including the certified mail receipt and the return receipt I got back on XX/XX/XXXX showing that they received it, signed for it and yet I never got my Payment transferred from them to either my treasury account I provided or in the mail in a money order, Check, Or cash at my residence on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California. ( XXXX ) I gave directions on how to do everything and the timeline they have to pay and that their non response or Acquiescence will be proof of all statements, claims and violations made against them standing as Fact and truth and Acceptance. Equifax is in Violation of federal /State laws and regulations 15 usc 1681 ( s ) 2, 15 usc 1666 ( d ), 15 usc 1692 ( k ), 18 usc 1961, and correlated codes of the CFR, FDCPA, FTC and CCPA.

I notified them of a finding that they have securitized my account by using my SS # and to provide me with my 80 % of past present and future profits from my securities as my security intermediary and I as the Entitlement Holder of the Account.

I expect a immediate Payment and Response on my Cell Phone, Mail notifying me of the payment processed and corrected my account thank you My affidavit, exhibits and receipt of sending and receipt of return with their signature on it showing they received it. Will be in my uploads so they cant pretend they dont understand or know what Im talking about. I am demanding payment not a service or anything else Payment Payments Money!!! 
Total XXXX for Data-breach failure to continue reporting fraudulent accounts and inquiries and information on my account. They have 3 days to resolve this matter seeing as I have done my Administrative Process and will be filing with the XXXX XXXX XXXX for Said amount plus noncompliance.

Company response to consumer: Closed with explanation