vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
My mortgage loan servicer changed to Freedom Mortgage in XX/XX/year>. Its been a nightmare from the start. They claimed there was an escrow shortage in XX/XX/year>. There was some issue with the homeowners insurance policy. I worked from XXXX to XXXX to get the issue resolved. I contacted my homeowners insurance company XXXX. To verify that I did not want any changes in the policy. I resolved the issue with XXXX and they sent a refund check which I then paid to freedom mortgage company on XX/XX/year> in the amount of {$3100.00}. In XX/XX/year> I paid {$1500.00}. In XX/XX/year> I paid {$2000.00}. They are still saying there is balance the automated system is saying the balance is around {$8000.00} and the website says a balance of around {$6000.00}. They have sent XXXX late payment marks to my credit report. Ive repeatedly contacted freedom mortgage to resolve the issue.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I attempted to pay total balance in XX/XX/year> for my Target Card. There was a decrepency in amount due to late fees being applied. As a result of unknown fees and not receiving emails or paper mail, I did not know there was a balance due/. I found out only because XXXX notified me of 30 days past due negative report on account. I opened disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: TN

Complaint narrative:
Company has called XXXX relatives stating they are a debt collector. XXXX person barely has any relation to me. The other relative asked about the debt and the collector accused my family member of being me and became hostile. Then, they left a message saying they will contact my employer and my relatives if I don't contact them right now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from experience people fax, and Trans Union immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-07-30 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from experience people fax, and XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-30 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: CORELOGIC INC
State: KY

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am writing to opt out of the processing and marketing of my data. It is my right under data protection law to request my data not be shared or distributed by CoreLogic XXXX ; further, I do not want my information shared or dispersed by XXXX XXXX XXXX. I understand this is not a permanent opt out request, and the suppression will be reversed given enough time. Please opt me out of all communications from CoreLogic XXXX, XXXX XXXX XXXX, and all other affiliates and partners. I do not wish to receive physical mail, emails, direct marketing, or telemarketing. Nor do I wish to receive prescreened, or firm offers from affiliates and partners. Please start this process immediately and notify me of its completion. Consumer Information : Full Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX KY XXXX Phone Numbers : XXXX Social Security Number : XXXX Date of Birth : XXXX Please let me know if you need any other information or help to fulfill my request. Thank you, XXXX XXXX XXXX XXXX full complaint

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never 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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
someone has been trying to purchase a car in my name. its XXXX inquiries on my credit report that i didnt authorize. XXXX also a victim of XXXX data breach and XXXX is the worst to remove these inquiries. i have sent documents for over 6 months and they refuse to remove these item.

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 2024-07-30 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: GA

Complaint narrative:
someone has been trying to purchase a car in my name. its 20 inquiries on my credit report that i didnt authorize. im also a victim of XXXX data breach and XXXX is the worst to remove these inquiries. i have sent documents for over 6 months and they refuse to remove these item.

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 2024-07-30 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: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
I took out a business loan with Bankers Healthcare Group, LLC. The amount was I was in an automobile accident where I was injured and had to retire as a Police XXXX after 23 year. I borrowed $ XXXX payments were {$1800.00} a month. However I retired and could not afford the payment. I attempted to pay {$100.00} dollars a month but the company would not accept this amount and attempted to set it's own amounts for me to pay. Now I received a summons to appear in court in XXXXXXXX XXXX XXXX My income drastically decreased because of me having to retire. I live in XXXX XXXX  and can not come to XXXX XXXX 

Bankers Healthcare Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/year>, a vendor issued a refund to my Barclay Bank credit card in the amount of {$23.00}. Because I never received the credit to my card, I filed a dispute with Barclay Bank. On XX/XX/year>, Barclay Bank advised me that the issue had been resolved and I would see the credit on my next billing statement. This as never occurred, and beginning on XX/XX/XXXX, I called every single week asking why the credit was not yet reflected on my account. I kept being told that the person who answered the phone had no authority to actually do anything but that my concerns would be " escalated. '' Every single person I spoke to could identify the issue, the credit that was due to me, and could not give me any information. On XX/XX/XXXX, the person that I spoke to advised me that a manager would call me back and I should be sure to keep my phone at my side at all times. On XX/XX/XXXX, I called back and was told that there was never any request put through for a manager to call me back the previous week. I advised them that if I did not receive a call from a manager and if my refund was not processed asap, I would be filing this complaint. I received a call from an unidentified number on XX/XX/year>, requesting personal information such as my birthdate, social security number, etc. I hung up and called Barclay Bank, and I was ultimately transferred to an account manager named XXXX. She assured me that she had processed my refund a few minutes before my call and I would see it on my account in 24 to 48 hours. It has now been five days, and there is no refund posted to my account. I am really concerned because I returned an item to a different vendor a week ago, with an expected refund to this account, and I have not yet received that refund, either. Everyone apologizes, tells me they understand why I'm upset and frustrated, but every customer service rep who answers the phone states they are unable to do any productive or give me any definitive answers, and they can not transfer me to anyone who can. I did tell the account manager, XXXX, that if I did not receive my refund as promised, I would be contacting your agency.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquiries were removed after an investigation of fraud and identity theft was proven.

Now after almost a year 11 inquiries that were removed SHOW back up on my report OVER NIGHT, these should be removed. There should only be 4 inquiries reporting on my Equifax credit report as of today. See attached.

All other inquiries below should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
The Privacy Act of XXXX states that no agency shall disclose any record ( which includes financial transactions ) except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Additionally, the CARES Act states that no consumer reporting agency shall report an adverse item about the consumer during a covered period. The judgement was reported during a covered period which is a direct violation of this Act passed by Congress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
I was a victim of identity theft and there are a few accounts and inquires on my report because of this. I reached out to the reporting agency and company 's and requested that they remove these items, and they say that they have verified they are mine or accurate. I have requested multiple times for them to verify the documents and send me the documents showing these are accurate. I have now filed a report of fraud with the FTC I'm attaching it with this.

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows a consumer to block information from their credit report with only an assertion, and without any input from or involvement of the creditor or debt collector who reported the information1. This section focuses on blocking information on a consumers credit report that is the result of their identity being stolen2. The consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged 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 explanation