vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.

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 2023-09-07 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 RECENTLY PULLED MY CREDIT REPORT FROM XXXX, TRANSUNION, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, TRANSUNION, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.

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 2023-09-08 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-07 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: VA

Complaint narrative:
I requested details regarding the specific activity or action that caused my credit score change because it's nowhere to be found when logged into the Equifax, XXXX, or XXXX websites when logging into my account. Credit bureaus are notorious for advising that " There are many factors that cause score changes '' but they don't provide any specifics for the consumer 's own knowledge. Consumers should not have to hunt through their credit reports to find out why their scores changed. I don't have much on my report but I don't see any recent changes that would warrant a score decrease. It's just as hard to tell why your score increased. Again consumers should be provided with specific explanations. Credit agencies should be required to be transparent with their scoring scale, categories for scores, and how specific actions affect the score. 

Credit reporting agencies should provide documentation that breaks down each score-changing scenario. Example scenario for a transparent system : Credit balance increases result in a score decrease if the increase causes the debt-to-income ratio to be more than 35 %. Your credit balance increased from {$1.00} to {$10.00}. When calculated against your entire debit portfolio that increase resulted in a debt-to-income ratio of 35 %. When your debt-to-income ratio is 35 % or higher credit scores decrease by XXXX XXXX 

The scoring system should be specific and not random. As in the example above there should never be other score values for that scenario. Consumers would know that they'd lose XXXX XXXX At no point should the bureaus be able to take XXXX XXXX one month XXXX XXXX  another month, and XXXX XXXX another month. It's really ridiculous that consumers are at the mercy of credit bureaus that can increase or decrease scores to whatever numbers they want without explaining exactly why and providing documentation on scoring formulas/scales. 

This is important to be even given the fact that the decline in my score was minimal but still matters to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Requesting to deletetion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXXXXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.

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 2023-09-07 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: FL

Complaint narrative:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXXXXXX XXXX  while we await a loan modification decision from their underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX XXXX  while we await a loan modification decision from their underwriter.

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: CA

Complaint narrative:
I thought I was applying for a loan like companies like XXXX, XXXX, etc. I downloaded app Albert. everything is confusing from there. A savings was set up I think, I realized it was not what I thought, so I have tried to cancel it. Instructions given were confusing, the details were not present in app, I emailed Albert.com and nothing was clear, there was not a live agent available. I want to be totally disconnected from Albert. Albert has yet to give me clear direction to be disconnected.jor cancelled. A note said there would be {$60.00} taken from my bank account. I do not authorize this!

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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime unauthorized XXXX transactions for a XXXX sock manufacture in XXXX XXXX. They did not report this suspicious behavior and let them overdraft my account. I called to try to get a credit and because the transactions were pending they said I would have to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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 u.s.c. 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.. 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 an account without my written instructions ... 15 u.s.c. 1681 c. ( 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. 1681 S-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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: MA

Complaint narrative:
I received a cancel notice for my homeowners from my insurance company. In my mortgage account it says my insurance was paid XX/XX/2023 for {$1100.00}. I have tried numerous times to get them on the phone and by email. I had to pay the first months premium with my credit card to avoid cancellation. I already pay it through my mortgage payment. My insurance company wants a copy of the check. I can not get anyone on the phone. They called me last night. When I started talking about the issues they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I worked for XXXX XXXX from XXXX - XXXX. While there I contributed to a Healthcare Spending Account in Benefits Wallet. 

I recently became aware through a tax form that I still had a balance in that account - unbeknownst to me. I have for months now tried to contact Benefits Wallet to get access to these funds and have suffered through what i believe to be intentional impediments to delay their clients from accessing their funds. 

1 - Terribly long hold times - their customer service hold times are 20+ minutes- thus dissuading me and likely others like me from getting the support they need to use their HSA 2 - Maintenance Fees - They have been charging monthly maintenance fees all this time equivalent to 5-6 % of the account balance 3 - Although they had my mailing address- they never sent a message noting that my account is accruing fees and hasn't been used. Shame on them. They're earning interest from using my funds for 3 years AND on top are charging a maintenance fee.

Their business practices need to be scrutinized. As I type this I'm on hold ( XXXX XXXX  so far ) - trying to get access to my account - apparently since the account was setup with my XXXX XXXX work email and phone ( which i no longer have access to )- i have to jump through months of hoops to get access to my funds. 

This is a scam- they have XXXX incentive to help me and others like me and it shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
As a co- borrower on a loan I have requested basic account information, monthly statements. XXXX being denied a right to manage this account & protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
This loan was made under the Puerto Rico law # 124 10 DEC 1993XXXX 
The low interest condition was agreed under the condition that we have to live in the house for 6 years to avoid any penalties or change on interest rates, the interest rate was around 4 % ; they increased to more than 7 %. 
The closing date for the loan was XXXX XX/XX/XXXX. 
I move to Florida XXXX XX/XX/XXXX. I am submitting all the paperwork that prove that I live more than the time they required ( sorry some documents are in XXXX ). 
There ' ; s the house closing documents, my XXXX that shows when I started in my job at XXXX XXXX XXXX XXXX XXXX. 
Title study that shows that the agreement was 6 years. 
They being charging higher inerest and making more money out of that loan illegally. 
I provided all documentation and they refuse to fixthe issue. 
As a Veteran and a XXXX that serve this country I ask for help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
This complaint is against XXXX XXXX. On XX/XX/2022, there was a fraudulent credit inquiry placed on my Transunion Credit Report. This was due to identity theft issues brought about by a XXXX XXXX with XXXX XXXX XXXX XXXX. I have been experiencing significant identity theft due to this. XXXX XXXX agreed and complied with my evidence, that this was a Fraudulent Inquiry. And plenty of time has passed for this to be removed from my Credit File, yet it remains.

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 2023-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cascade Creditors Service, llc
State: WA

Complaint narrative:
XXXX XXXX  took XXXX from me 2 days after they had already turned me into collections. I sent certified mail to cascade collections and they refused to pick up from post office I have proof of that and receipts for the XXXX cash I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: GA

Complaint narrative:
This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.

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 2023-09-07 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:
XXXX Transunion and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



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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