vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
I have a condo that is in a Flood Zone. My HOA has Flood Insurance in place, and I have sent them the Certificate of Insurance and Declaration page several times. They continue to ignore that information, and put Lender Based flood insurance in place, even after I furnish the information. 

On XX/XX/year> they placed Lender-based Flood Insurane in the amount of {$1100.00} in place and paid from my escrow ( they had the HOA placed policy in hand and ignored it. ) On XXXX XXXX, they cancelled the insurance and reimbursed my escrow {$870.00}. 

On XX/XX/XXXX, they placed Lender Based Flood Insurance in the amount of {$1600.00} again ( different company ). 

They have the HOA placed Flood Insurance policy - Certificate in Insurance and Declarations page in hand, but ignore it, I have spent countless hour on the phone ( 4 - 5 hours at a time several times ) and it is an endless cycle of being passed off to another person, told to wait a week and it will all be ok and yet it is never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NE

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
On XX/XX/XXXX a third party sent themselves XXXX from my phone on accident showing me how to send money. Said partys account was negative XXXX. I immediately contact the bank try to get it reversed they said a dispute will be filed and it takes up to ten business days the next day I get a response that after reviewing nothing seemed out of the ordinary they wont reverse the charge dispute closed. I plead that I am a sole provider to XXXX Childeren XXXX is a major lose with bills and expenses left and right nothing has been done yet I cant file another dispute most help I can get from the bank is they say theyll try and get the dispute team to respond back to my email. I never physically or verbally authorized the transaction I feel my bank should of just helped me out people make mistakes were human

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item or 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-11 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/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 2024-11-11 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 writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : Accounts : XXXX  - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
In XXXX  & XXXX  I had XXXX XXXX  XXXX  3 times the Dr kept telling me I needed them to fix it however he needed to charge my insurance {$20000.00} XXXX X leaving me with XXXX copays of {$1300.00} when he told me I needed a XXXX I told him its a scam & I would not pay any more even though I have been making payments each visit ( the original collection dates ). I have had my credit reports pulled with this not showing up. But in XXXX I see that Merchants & medical corp reported that amount 2 times. When I contacted them in XX/XX/XXXX explaining the situation they sent me the drs. billing sheet showing XXXX 7 years ago. Today I called them to ask them to remove this explaining the situation I was told that they received the information on XXXX XXXX. I find that hard to believe since the Dr. was receiving payments in XXXX & XXXX that they waited 5 years to report this to collections I feel that XXXX is manipulating the date & information to be able to continue to report a 7-year-old debt. Please investigate this collection problem. They did clear the XXXX amount which was 7 years but did not follow the same rules to the XXXX XXXX claims doesn't make sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX has continually called my place of employment and left voice messages on a public telephone number threatening legal action against me as well as threatening to garnish my wages. I spoke with the representative and repeatedly asked them not to contact me but they continue to call multiple times a day

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 2024-11-11 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: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID

Complaint narrative:
Sales manager was very rude and has aggressive sales tactics. Went in to see what the price range was and got looped into the most Unfavorable shopping experience. They knew their offer was garbage but continued to insist I take it after saying no several times. At some point I believe it was XXXX [ he is also the manage for this location ] ( bigger dude with hand tats and a beard ) started getting aggressive and a condescending tone and stated " You might as well take the offer they are already running your credit '' when I made it known multiple times I didn't want me credit ran as I was just looking at my options. At this point he shrugged and told me he was no longer doing business with me. They are hipocrites the irony is they were just done talking about smack about how customers have came in upset because other dealers have done this same garbage to them. Clearly the company was not willing to work me on resolving the issue. I attempted to ask XXXX ( Sales Man ) why my credit was ran without my consent and was told " I don't know take with XXXX and the finance department ''. After this I left the dealership as I was very upset and this caused me to not be able to get my home I was looking to purchase. 

Date : XX/XX/year> Time : After XXXX XXXX  People : Manager XXXX and Salesman XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ( review of the experience is posted on XXXX reviews as well )

Company response to consumer: Untimely response
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-11 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
Upon reviewing my credit report, I found accounts that are currently under litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX  XXXX ) # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX LLC # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I need to emphasize that this isn't just a simple error. The mistakes on my credit report are causing significant issues in my life, and the stress has been hard to manage. During these challenging times, its been a heavy burden.

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 2024-11-11 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: TX

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 XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2024-11-11 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts on my credit report that were fraudulently created following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these entries be removed promptly to prevent further harm. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00}

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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received notice from XXXX that there was a hard inquiry from TD Retail Card Services. I did not have any contact with TD and never have. I believe this is fraudulent and possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: AR

Complaint narrative:
I am a victim of a recent data breach, which has led to unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and deletion of these fraudulent entries. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
Name change documents was sent in XXXX of XXXX  when I finally received my ID 's. I reached out to CashApp to see about changing my name on my card. for months i have sent several times the documents requested and to no avail, they still have not changed my name. I asked if they can close the account and reopen with new name, they said no because my SS is already in their system. They have yet to change it even when they said it was resolved.

Company response to consumer: Closed with explanation