vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX 90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX  Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status XXXX Days Late Account Status Transferred Account Details Account Type XXXX  real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments XXXX % Worst Pay Status Late XXXX Days Lender Info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : I want this removed they were not my mortgage holders I am currently with Flag star. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan

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 2024-08-04 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:
I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX  XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXXXXXXXXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made an in person check deposit at the Bank of America at XXXX XXXX & XXXX XXXX. I was told the funds would be available in my account the next business day. The funds were made available the next business day and I began paying bills that were due using these funds. Bank of America then decided to place an extended hold on the deposit and withdrew the funds of the deposit causing payments for bills to be returned. I was assessed late fees. Bank of America refuses to release my funds or credit me for the late fees. Bank of America has done this previously and has been the subject of other CFPB and OCC complaints but has not changed their practices which harm consumers.

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 monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I was charged a late fee by my mortgage company and I have auto payment set up thru my Bank : XXXX  XXXX XXXX which goes thru beginning of every month, following is proof of auto payment via my checking account since beginning of year : XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX  ID : XXXXXXXX XXXX View/Edit Other Payment - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX View/Edit Other Payment - {$2900.00} I was charged a late fee of {$94.00} for late payment which I did not make, here is the proof what what they charged, I have never missed a payment and should not have been charged a late fee and would like a refund of {$94.00}. : XX/XX/year> Disbursement for Taxes - {$2900.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Late Charge Fee {$94.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XXXX XXXX, XXXX  Payment {$2900.00} XXXX XXXX XXXX, XXXX  Disbursement for Taxes - {$2800.00} XXXX XX/XX/year> Principal Payment {$15.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Initial Escrow Deposit from Closing {$2900.00} XXXX XX/XX/year> Escrow Refund To Borrower - {$2900.00} expand_more I have called LoanDepot and they refuse to take away the late fee, they say they can not do anything about this, I have autpayment set since beginning of my mortgage payment and above proof that I was not late, it's not my fault that they didn't receive the payment or process the payment before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Okay over XXXX years ago I had a medical debt put on for collection for over {$2000.00}. But a few months aga they started disappearing and then a month late a different XXXX popped up for over a XXXX dollars but it had restarted the XXXX year thing where it goes of your credit and I was able to get it removed but the a different XXXX popped up and was for the remaining balance from the {$2000.00} and it was around {$980.00} but once again they have restarted the date to when it will go off report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: OK

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. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX. XXXX XXXX XXXX. 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 XXXXXXXX 15 USC 1681 section 602a states : I have the right to privacy. 

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnish an account without my written instruction 15 USC 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 anteater the report by seven years. 

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

15 USC 6802 ( b ) ( 1 ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to sonsumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. Im sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.

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 2024-08-04 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:
I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to sonsumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. Im sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-08-04 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 
XXXX XXXX XXXX with an account number XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX  account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX & XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX account # : XXXX has violated my rights. 
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.

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.

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 2024-08-04 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: MS

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry 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