vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-16 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: KS

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

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 2024-08-16 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: NV

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed that a late payment was incorrectly reported. This payment was supposed to be marked as on time. Prior to this, I had communicated with the creditor, and we agreed that I would not be marked late due to personal circumstances unrelated to the pandemic. Despite this agreement, the late payment was reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter to Experian requesting that this issue be corrected, as it is inaccurately affecting my credit report. However, XXXX responded by stating that everything is reporting correctly, which is not the case. 

Pursuant to 15 U.S.C. 1681s-2 ( f ), I am seeking assistance in resolving this matter. The continued reporting of this inaccurate information is not only incorrect but also in violation of my rights under the Fair Credit Reporting Act. I respectfully request that this situation be investigated and the incorrect late payment be promptly corrected. 

Thank you for your attention to 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I am emailing to report a serious problem with XXXX servicing a licensed mortgage company within the state of AZ. XXXX XXXX XXXX XXXX  License XXXX XXXX XXXX XXXX License XXXX On XX/XX/year> a payoff was requested via email per the customer service agents instructions. She stated it should take 3-5 business days. I waited the allotted time and called in at the end of day 5 having not received the payoff, that was this past Monday XX/XX/XXXX. They could not explain why I had not received it and the agent said she spoke with her XXXX to expedite the request and that we should receive it no later than Wednesday XX/XX/XXXX. We again did not receive the payoff so I again called on Thursday XX/XX/XXXX to find out what happened and the agent could not locate the request. I let her know that per Federal law they are required to provide the payoff document within 7 days of the borrower 's request. The agent then said she would handle it right away and had me create an account and sign into the portal on the company website. She stated that she had submitted for the payoff document and should have it within 30 minutes and I would receive an alert to login and it would be in my portal, she said she would follow up that afternoon. Well here we are nearly 2 weeks later and I have no alert, no payoff and never received the payoff.

The loans are as follows : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, I XXXX XXXX authorize you to send a payoff quote for the above mentioned accounts for payoff through XXXX. 
Borrower : XXXX XXXX XXXX XXXX XXXX XXXX AZ # XXXX XXXX XXXX XXXX AZ # XXXX I would like to formally lodge a complaint against the licensee and have these issues investigated. 

XXXX XXXX XXXX Accelerated RE | Management & Investments XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX NV. XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
I need immediate attention regarding this problem since it is very alarming. There are items on my credit report that have resulted from fraud to which I never benefitted from. These companies pulled up my credit report without my authorization, It is stressing me and making me anxious on why and how this happened. I have reported them to the federal trade commission but they are not removed from my 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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had a problem with my cash app account, so I looked for a number to call cash app customer service, I'm not a texting type of guy, so I decide to call cash app customer service, well when I called the cash app number on the internet I genuinely I was talking to cash app customer service, so I was told to open the app and download this " team viewer '' type of app where the person can see what i am doing, and if need be take over, I was told to download the app, then open my cash app, so I did, the guys on the phone had an XXXX XXXXXXXX accent, and was telling me that he can help me and all I got to do is open the app, and tell him what happen, then he was going to refund me, so he did, but the refund was over the amount i asked for, which it was XXXX dollars, i was excited, while he was talking i started to notice that the transfer came from my bank account, when ive seen this i became high suspicious, and confronted him about it, but the guy was consistent on calming me down and wanted to get my friend number, or family member number, and change my bank info to a new one, at this point i became highly alarmed and exit off the app and exit off the download XXXX XXXX XXXX XXXX because i figured these people were scammers, but before i closed out they sent the cash to there bank account, before i even get a chance to hang up and take everything off, later on i did some research and come to find out cash app dont have a customer service you can call, but have a " in app '' thing where you chat on the app through texting, so i told them about it and the unauthorized transaction from a scam claiming to be them, and gave them all the info they asked for to do an investigation, and was told that the transaction were justified, i ask for them to send me there reasoning but they never sent it, so i contacted XXXX XXXX and ask all they need me to do, and granted me the XXXX XXXX for the unauthorized transaction, i was relieved until weeks later they took it back and informed me that the money was credit to my account but took it back, so i filed an appeal with XXXXXXXX XXXX and gave them a police report and any info they may need to help the invesigation, still came back denied, so i ask for there reasoning and they never replied, even though when i checked they have a zero liablity policy when it comes to these things, as of today im going to reach out again to appeal and ask for there reasoning and to send it to me. I wanted to file a complaint because these banks or financial apps are not cooperating nor even holding their side accountable of the scam that happened to me without a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out regarding me being a victim of Identity theft and the inaccuracy of reporting accounts on my credit report that doesnt belong to me. I submitted my disputes to the credit bureaus and havent 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out regarding me being a victim of Identity theft and the inaccuracy of reporting accounts on my credit report that doesnt belong to me. I submitted my disputes to the credit bureaus and havent received a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Someone accessed my Savings account from Credit Karma and transferred funds to my Checking in the amount of {$1800.00} Per the Credit Unions records numerous attempts were made from XXXX XXXX  on XXXX XXXX and they were successful by XXXX XXXX  on XX/XX/year> Had I not called the bank by intuition I wouldn't have caught it and put a stop. 

I can not reach a live person through Credit Karma to get further information I also had a transaction through my other bank by XXXX aka XXXX for {$12.00} and it would be a repeated charge, I was able to get that reversed Obviously there is problem and someone somewhere has accessed my information and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
by laws my rights as American citizen has been violated. Per 15 U.S.C. 1681, et seq.

Fair Credit Reporting Act has 30 days provide investigation result or items must be deleted. Transunion has failed to follow the law. I intend to file a law suit for inaccurate items reporting on my consumer report unless item are deleted.

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 2024-08-16 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: MA

Complaint narrative:
My credit report has an item that have resulted from fraud which I never benefitted from. I do not recognize this nor given consent or authorization. I have reported it to the federal trade commission but it is not removed from my report. It is stressing me out and making me anxious on why and how this happened.

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 2024-08-16 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:
I sent a dispute about late payments. Asked for them to send all information that proved my late payments were verified. Disputed the XXXX nothing was provided to me

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 2024-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Before my apartment lease expired, I requested an inspection. They provided an estimate of {$550.00} for cleaning and paint, citing regular wear and tear. Although California law prohibits landlords from charging for regular wear and tear, I was willing to accept that charge. I was expecting to receive the remaining {$50.00} of my {$600.00} security deposit. However, I recently discovered that they not only retained the entire {$600.00} but also reported an additional {$250.00} as unpaid debt on my credit report. This debt is unauthorized, as they never communicated it to me, and I did not receive any receipts regarding this debt. I sent the collection agency a certified letter requesting validation of the debt, including receipts and documentation, as well as an explanation of the charges. However, I have not received any response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit report, I noticed the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
The Debt Collection company XXXX XXXX XXXX of XXXX California. I have done some research online ( XXXX, XXXX, etc, ) about this company and it seems they have thousands of people that are victims of the same company and crime. They are claiming I owe approx. {$2500.00} from a company called Binance, a bitcoin company. I was the victim of fraud during this time and this is a residue from that Identity theft. I have notified them of this mistake and that I did not purchase, nor do I own, any bitcoin. I have written them a letter, but they refuse to release this " debt ''. They are now sending negative reports to XXXX XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mr. Cooper Nationstar Mortgage LLC failed to renew my hazard home insurance with XXXX  an XXXX XXXX by XX/XX/XXXX on Loan Number XXXX. I called XXXX and Mr. Cooper and had them on a conference call together at XX/XX/XXXX. XXXX states they did not allow a renewal since per their system my hazard insurance lapsed the year before but Mr. Cooper claims they paid in XX/XX/XXXX {$1100.00} from escrow account. No one gave me an explanation where my {$1100.00} went, leaving my personal home at risk. XXXX states on the phone call that Mr. Cooper never reached out about my renewal or about verifying my insurance. XXXX XXXX, Mr. Cooper committed escrow mismanagement and fraud. I clearly stated I did not authorize Mr. Cooper to purchase insurance on my behalf due to their error. I personally enlisted another insurance company ( XXXX XXXX ) on XX/XX/XXXX which informed Mr. Cooper. Mr. Cooper is now charging me {$790.00} through my escrow account of retroactive hazard insurance for the period of XXXX. I did not authorize this or consent to this. I only authorized them to renew my insurance via XXXX which they failed to do. XXXX denies communication from Mr. Cooper on this matter. Mr. Cooper has not given any explanation about their failure to properly manage my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
I need immediate attention regarding this problem since it is very alarming. There are items on my credit report that have resulted from fraud to which I never benefitted from. These companies pulled up my credit report without my authorization, It is stressing me and making me anxious on why and how this happened. I have reported them to the federal trade commission but they are not removed from my 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 non-monetary relief
Consumer complaint received 2024-08-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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:
XXXX on XXXX  credit bureaus. Transunion inquires reporting without my knowledge or permission fir anyone to use ny information to apply for anything or given any companies permission to run my creditors products or services.

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 2024-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I made XXXX attempts to pay the full balance of the XXXX online through the BMO site. All three times it was rejected, with no explanation as to why. When I called them I was informed that I was not permitted to pay the balance off online. I was told I had XXXX options : XXXX ) Go into a branch ( The closest branch to us is XXXX miles away ) XXXX ) I can pay for a wire transfer ( estimate {$20.00} ) XXXX ) He can take a payment over the phone for {$11.00} fee. 

He then offered to send me a payoff statement. The only options to receive that was for him to postal mail it or to fax it. I do not have an archaic fax machine. 

We requested a payoff amount over the phone so we could send in a check ( which was never suggested by him ) and they were unable to give us that amount. 

Regardless of which option I choose, I am paying a daily APR on my loan or a fee to pay off the loan.

I think BMO needs to be investigated for hidden fees and misrepresentation of their policy of being able to pay off the loan early.

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