vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez received XXXX checks totally {$250000.00}. They were instructed to, and acknowledged they would, payoff the mortgage and send the funds back via ACH deposit to my account. The {$250000.00} all cleared the issuers bank on XX/XX/year>. Newrez has STILL not paid off the note and therefore it's costing me interest and PMI every single day, not to mention the loss of interest on the balance owed back 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-03 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: CA

Complaint narrative:
Hello My complaint is against credit reporting bureaus reporting incorrect credit score again and again and messing up my credit score in front of my lender. 
When I checked my credit score on Experian from Experian.com it was XXXX as per XX/XX/year> and my XXXX score was XXXX on Fico score XXXX. 
I am in process of purchasing house and my mortgage lender checked my report from his end and turned out that my Experian score is XXXX, my XXXX is XXXX and XXXX is XXXX. 
I want to know the reason behind this discrepancy that If my score is different from what lender see at their end, then why credit bureaus are selling their subscriptions to view Credit score?

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 2024-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX  | XX/XX/year>, XXXX | XX/XX/year>, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX XXXX XXXX | XX/XX/year>, XXXX XXXX XXXX | XX/XX/year>, XXXX | XX/XX/year>, XXXXXXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, and ( Original XXXX  ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, of the United States District Court for the District of New Jersey, oversees this case, XXXX XXXX TD Bank, N.A., Case No. XXXX ( XXXX. ). The persons who suedXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX the XXXX. TD Bank , N.A . ( TD Bank ) is the Defendant. 
Plaintiffs claim that TD Bank breached its contracts with TD Cash Secured Credit Card holders and violated state consumer protection statutes when TD Bank did not automatically graduate TD Cash Secured Credit Card holders to an unsecured TD Bank credit card when those cardholders used their accounts for seven consecutive billing cycles without committing an act of default. TD Bank denies that it engaged in any wrongdoing. 
I am XXXX XXXX. I knew they were doing something wrong then. Why did they keep XXXX  of people 's money on these secured cards? I opened a {$2000.00} secured card in XXXX  to rebuild my credit. I was supposed to get the money back in two years, and I did not, so I sued. They also did not report to the credit bureaus properly. It did NOTHING for my credit like they promised. It only made sense to me that they were playing with that money they withheld on the stock market. It's painfully obvious now. My complaint? They failed to help build my credit like they promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. 
Date opened XX/XX/year> 2018

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 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My ex girlfriend opened a bunch of stuff in my name, please take off the following accounts from my report. They are not mine.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing the collection account with Columbia Credit Recovery due to violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation and correction of the following issues : 1. Lack of Clear Date of Last Activity : Columbia Credit Recovery has not provided a clear date of last activity on the account as required by the FCRA. The account reports without this essential information, which is needed for accurate reporting. 
2. Incomplete Debt Validation : I submitted a formal debt validation request to Columbia Credit Recovery on [ XXXX XXXX ]. They provided a final utility bill, the original lease, state disclosures, and an itemized statement of charges from the original creditor. However, they failed to provide a line-item breakdown, proof of agreement bearing my signature, and complete payment history. This is insufficient documentation under the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX. 
3. Failure to Provide Initial Notification : Columbia Credit Recovery has not provided any proof that they notified me of the debt transfer or assignment as required by the FDCPA. I have not received any notice of debt transfer from the original creditor or Columbia Credit Recovery. 
4. Incorrect Balance Reported : The collection account reports an inaccurate balance of {$6700.00} past due as of XX/XX/year>. This balance has not been verified by adequate documentation. I dispute this amount and request proper verification. 
5. Failure to Properly Notify of Debt Assignment : Columbia Credit Recovery did not send notice of the debt assignment within the required timeframe, which violates FDCPA provisions. I request they provide proof of timely notification. 
The improper handling of this account has caused significant harm to my credit score, and I am seeking immediate removal of this account due to these violations. I request the credit bureaus update or remove the account from my credit report based on these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block and remove all information appearing on my consumer credit report that has resulted from identity theft and fraud within four business days of receipt of this notice. The fraudulent and inaccurate information consists of several accounts and collections opened without my knowledge or authorization. 

These fraudulent accounts include : XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
These accounts have led to several fraudulent inquiries and collections, which now appear on my credit report. I do not recognize any of these accounts or the inquiries tied to them. All of these fraudulent entries were not made, authorized, or initiated by me and are the result of identity theft. 

I have attached the following documents to support my case : A copy of my FTC Identity Theft Criminal Complaint ( Case Number : XXXX ). 
A copy of my credit report showing the fraudulent accounts and inquiries. 
A list of the fraudulent inquiries associated with these accounts. 
I demand that all of these accounts, collections, and hard inquiries be removed from my credit report and that all related collection activities cease immediately. I expect this to be resolved promptly in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

Thank you for your attention to this matter. If further information is required, please contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
I am submitting this complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block and remove all information appearing on my consumer credit report that has resulted from identity theft and fraud within four business days of receipt of this notice. The fraudulent and inaccurate information consists of several accounts and collections opened without my knowledge or authorization. 

These fraudulent accounts include : XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
These accounts have led to several fraudulent inquiries and collections, which now appear on my credit report. I do not recognize any of these accounts or the inquiries tied to them. All of these fraudulent entries were not made, authorized, or initiated by me and are the result of identity theft. 

I have attached the following documents to support my case : A copy of my FTC Identity Theft Criminal Complaint ( Case Number : XXXX ). 
A copy of my credit report showing the fraudulent accounts and inquiries. 
A list of the fraudulent inquiries associated with these accounts. 
I demand that all of these accounts, collections, and hard inquiries be removed from my credit report and that all related collection activities cease immediately. I expect this to be resolved promptly in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

Thank you for your attention to this matter. If further information is required, please contact me directly.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I made a money deposit and transfer from Chime to my bank account on XX/XX/XXXX. It is now XX/XX/XXXX and that money is not in my account. Ive called chime several times and they continue to hang up on me. The transaction records are not in my account anymore either. This seems very fishy to me. The transaction was for {$2000.00}. I need that money asap. If I do not revive that money in my chime account by end of day in XX/XX/XXXX, I will be moving forward with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and identity theft. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to prevent further harm. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Was lured into huntington bank with the promise of a 4.5 % yield on my money market account an no fee checking on XX/XX/year>. Since then, i have deposited over $ XXXX. When making a deposit on XX/XX/year> ; i learned my money had been placed in a laughably low rate checking account and i was NOT receiving the interest I was promised. i demanded to be made whole for money i was cheated out of. i demanded to speak with a manager. Was told " XXXX '', the manager was not available. I said i you ; ld be expecting a phone call and a correction. NONE has been received. I have been placed on long holds and have made 2 phone calls to Huntington Bank. Run around does not even begin to describe what I have been put through. My funds are STILL not in a money market1 I was told by a snarky woman named " XXXX '' that XXXX was on vacation until XXXX and she had no idea who was handling my complaint nor when it would be resolved!!! I want to be made whole for the interest that has been stolen from me and I would like action taken against XXXX and the woman who mishandled my money, XXXX XXXX. Thank you for your help in this matter. 









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Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-12-03 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: AL

Complaint narrative:
There was an account opened in my name fraudulently around the same time as the other already reported accounts opened due to identity theft. 
XXXX started reporting on my Experian report, I actually went ahead and paid the amount although it was not mine to pay so I could get this taken care of and off of my report. 
The account shows settled however it has not been removed from Experian Credit Report, I already explained it was not my account and should be removed and tried to pay them so it would come off.

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 2024-12-03 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: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
From this XXXX XXXX  I was working with a broker from XXXXXXXX XXXX XXXX 
In late XXXX, the broker learned that I got under contract to purchase a home. 
All of a sudden, on XX/XX/XXXX, I get an email with a sign in to Rocket Mortgage. 
I then find out that the broker had " registered " with Rocket Mortgage on my behalf -as he confirmed. I did not authorize that. In fact, I had told the broker I was finding better rates myself. Still, he went ahead and opened a loan application for me at XXXX. 
Yesterday XX/XX/XXXX, I got a letter in the mail from Rocket Mortgage saying that XXXX had pulled my credit on XX/XX/XXXX. I did not authorize that. 
So, I called Rocket mortgage today XX/XX/XXXX, and complained that their unauthorized credit pull of my credit file affects my credit score. I picked another lender myself in XXXX, XXXXXXXX XXXX and I did authorize for XXXX to pull my credit. When XXXX shared the credit pull results with me, the document said that affecting my credit score were too many credit inquiries. 
Today, Rocket Mortgage, just said that their process working with brokers is to " assume '' that the borrower clients have authorized a credit pull. They do so blindly. The Rocket representative ( from their " escalation team '' ) told me he could not remove the credit pull from my credit file because he does not have a way to verify that I did not give authorization for the credit pull. I offered him my chain of emails with my broker where I am caught by surprise that he even applied to Rocket on my behalf. The Rocket representative denied. He did not want to see the evidence. 
Then, I asked the Rocket representative to cancel my application. He said he can't do it. I asked if I could do it myself directly. He said also no. So, I don't have control over the application that is under my own name. That is BAD. No control over the credit pull, no control over canceling. He said my broker needs to request cancellation. That they can get in touch with my broker to do so. Because I already asked my broker to cancel the loan application with Rocket, and he does not reply yet.

This has affected my credit, when I did not authorize nor even want to work with Rocket. This is abuse.

Company response to consumer: Closed with explanation