vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX someone used my name and home phone ( land line ), a fake XXXX email address, along with the address of a hotel a couple of miles away to open a lease agreement with XXXX XXXX XXXX to lease a XXXX XXXX XXXX inch laptop. I believe this was purchased through XXXX. 
In XXXX of XXXX I received a letter from Unifin , Inc. saying I had a debt of {$540.00}. I thought this was a scam and ignored it. In XX/XX/XXXX I started receiving phone calls and began to dispute this debt. 
On XX/XX/XXXX I called Unifin and found out that it was difficult to talk with them because they said my SS # did not match what they had and could not speak with me. 
I have been in contact with XXXX XXXX XXXX and they have since sent me a letter back saying that I am " the responsible party for the account ''. 
I have filed a police report and am trying to get this removed from my credit report as it is bringing it down. I have also contact the Consumer Protection Division of North Carolina since I have read that XXXX XXXX XXXX had been charged with fraud and was hoping there was another way around this issue. They responded by saying I need to contact the District Attorney 's office ( I will do this after finishing this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
I, XXXX XXXX, paid my earnest money to XXXX Title in the amount of {$1500.00} dollars to XXXX XXXX XXXX. I confirmed my payment by printing out my bank statement at XXXX XXXX  for the month of XX/XX/2023, to verify that the payment cleared through my bank per request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I closed the mortgage loan on XX/XX/2023, with my loan officer from XXXX XXXX XXXX XXXXXXXX. My real estate agent, XXXX XXXX, with XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX both met separately in her office to discuss closing numbers. They reviewed the numbers, since they were in charge of numbers. XXXX XXXX from XXXX XXXX reviewed and agreed with the numbers. I reviewed my payment and signed the closing document. I saw all of my payments and did not see where my earnest money was applied twice. 

I then one week later receive a call from XXXX XXXX XXXX XXXX needs {$1500.00} dollars from me, because she made a mistake and doubled the payment for the earnest money on the contract. I then contacted the loan XXXX XXXX XXXX about this matter, and he notified me that XXXX XXXX XXXX XXXX first, and asked for the {$1500.00} dollars that she again claimed was her mistake for inputting the earnest money twice. XXXX told her that he can not give her any money since the loan has been closed and signed by her, myself, and the mortgage bank XXXX XXXX 

She has now sent a demand letter to me to pay for her mistake. I work slot but my mail is sent to my email that Im to receive. She sent a certified letter signature required, to my house as another demand letter. I find this to be very unprofessional and not a way for someone who is in a low income program for this housing project to start out homeownership. XXXX has made the mistake, the closing is completed, and she should not be harassing me to pay for her mistake. Please review this matter. It would be greatly appreciated. Thank you! 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: AR

Complaint narrative:
On XX/XX/XXXX I first notified the credit bureaus XXXX, experian and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on 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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I fell behind with my mortgage company Amerisave due to long XXXX  I received a call from a company stating they were with Amerisave and would work with me through their hardship program .I paid XXXX dollars turn out this company was a fraud. Amerisave use XXXXXXXX XXXX XXXXXXXX XXXX XXXX  the have processed a foreclosures and auction off the house with out me being aware of it they also have issued a padlocking on the property for XX/XX/. This was the only notice I received they claimed they sent notices but no proof.I have a child with XXXX and a dog. I in the home 6 years prier to refinancing through amerisave I had the home build from the ground up.I contacted XXXXXXXX XXXX XXXXXXXX for and extention so I can find a place for my child and I .they also stated that they offered cash for keys never received anything of the sort.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: LA

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 2024-02-03 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: FL

Complaint narrative:
Experian is reporting an incorrect address in despite of me mailing multiple letters to them with my correct name and address. They have failed to remove XXXX XXXX XXXX XXXX from my file. I do not live at that address.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been in contact with Equifax for over a month now trying to get my credit report. I have sent in the information they have requested and they still have not updated any of my information in their system. I have several credit cards and I have reached out to all of them to ensure they are reporting to all 3 credit bureaus which they all have confirmed. Without my Equifax report my lender can not give me a rate for which I am prequalified for and this has severely slowed down my investment potential. Ive had several calls with Equifax and while the customer service representatives are helpful theres nothing they can do on their end to help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CT

Complaint narrative:
I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. The XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.

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 2024-02-03 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: CT

Complaint narrative:
I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. The XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Someone fraudulently opened a Chime account with my name. But now they won't close it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was denied credit from this company, but my objective when applying for credit was to have a credit application drawn up so I may extend my credit to this company. under 12 CFR 1002.7 it states a creditor shall not refuse to grant an individual account to a credit worthy applicant on any prohibited bases. Also 12 CFR 1002 regulation " B '' ( equal credit opportunity act ) is there to promote availability to credit worthy applicants, so they would be in violation. 12 CFR 1002.4 ( D ) states a creditor that provides in writing any disclosures or information required by this part must provide the disclosures in a clear and conspicuous manner. On XX/XX/year>, I applied on an application to B.O.A but their application was not one for use by a natural person, consumer, and original creditor. The federal law for consumer rights protections does not define what a loan is, so I did not want to use that terminology when applying but there were no other accessible forms. I was denied use of my social security card as my credit card when under 15 usc 1602 ( I ) it states any card used to get money, property, labor or services on credit. On my adverse action letter from them it puts that I have major derogatory or delinquencies on my file, but some of those are from closed accounts and debts that were not validated or verified.

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 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

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 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

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 2024-02-03 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover banks is in clear violation of FCRA 605B ( 15 u.s.c. & 1681 c-2 ( A ) .On or around the XXXX of XXXX i route, Discover card, requesting them to block information, resulting from identity theft, to which, according to the fair credit report acting this company had 4day timeframe to block said information to which discover bank has failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief