vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me.

I anticipate your swift and comprehensive response to 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
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me.

I anticipate your swift and comprehensive response to 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 explanation
Consumer complaint received 2024-01-10 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:
Please see attached docuSFments. Do not close this cffdsomplaint stating it is not me. I am a natural person and a consumer.A

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 2024-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Security National Financial Corp
State: TX

Complaint narrative:
On my closing, XX/XX/2020, I was supposed to receive XXXX, per my attached closing Disclosure. 
I have contacted the mortgage company, with no response or call back for years. 
I have also contacted the Title company who stated that no money was sent to them to be disbursed at the closing.

I have contacted XXXX as well as reached out to XXXX.

To this day I have not received a response or conclusion to this matter.

Security National Mortgage Company has cause me a lot of anxiety and grief. They have put me in the credit bureau with an open account for a mortgage, that was sold to XXXX XXXX XXXX, that is showing late payments for over a year, how can I owe two mortgage companies for the same house? I have reached out to have this account deleted from my credit report with no success. No return phone calls from messages left to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my Verisk XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my Verisk XXXX XXXX report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
On XX/XX/2024 XXXX XXXX is contacted my relative from phone number XXXX. My relative is NOT listed on my debt and they have been contacted without their consent. They no longer wish to receive calls for issues not regarding them, when I have NOT listed them on any of my accounts or references. I don't have an active phone number/phone line and was contacted by my relative on social media after years of not speaking to her. She is upset that she is receiving calls about my debt. Please stop RESEARCHING my relatives and contacting them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Business Economy Checking account in XXXX with Bank of America. I deposited the required minimum balance of {$3000.00} to avoid any fees. This account has not been utilized at all since then. The account simply sat dormant for over a decade. Recently, I did a name change and at that time it was brought to my attention that monthly fees were being incurred. I have numerous accounts and a lengthy relationship with the bank and they knew that was very unusual. 
Apparently, my account was changed to a Business Advantage Fundamentals Banking Account at some point in XXXX. This account requires a {$5000.00} minimum balance. I was never notified. Over the past few years $ XXXX has been charged to my account and I did not catch it until now. I never authorized my account to be changed. When I reached out to the bank I was told they could only refund a few months of fees. I am still owed {$490.00} in fees. 
There was no acknowledgement or authorization to change they type of account I opened in XXXX. If the product was no longer available, the account should have been closed if they could not reach me. 
On XX/XX/XXXX a formal complaint was written within the bank and my request for a refund of the fees was declined.

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to Citi Bank savings account ( XXXX ) on XX/XX/2023. 

Citi received the money on the same day ( XX/XX/2023 ) but automatically reversed the money back to Amex two days later ( XX/XX/2023 ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : Citi : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : Citi : Citi started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.

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 2024-01-10 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I sold my home in XXXX oof 2023. At that time my mortgage was on time and no payments were due. I then started receiving harassing phone calls from shellpoint mortgage asking when i could make the payment. I explained to them over and over again i dont own the home. Its been sold. Why would i make a payment on a home i dont own?! The calls continued into late XXXX. When finally the buyers mortgage company resolved the issue by way of a XXXX way call with shellpoint. The buyers mortgage company and myself. But that didn stop them from reporting missed payments to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
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 XXXXXXXX {$1400.00} XXXX 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 explanation
Consumer complaint received 2024-01-11 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: TX

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 {$1400.00} XX/XX/ 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 2024-01-10 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: FL

Complaint narrative:
I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: WI

Complaint narrative:
They will not correct my credit report even though payments on time. I was in forbearance and then negotiated lower payment, but still sent negative report to credit bureau

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me. 

I anticipate your swift and comprehensive response to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: IA

Complaint narrative:
My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Please delete these accounts from XXXX and Transunion as well.

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 2024-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize on my consumer report unauthorized fraudulent inquiries, and I would like for it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Medical Debt Collection I am writing to address your recent efforts to collect on an alleged medical debt associated with my name. The account, listed as a new debt from XX/XX/XXXX with an amount of {$1100.00}, which is entirely inaccurate and invalid. 

Upon contacting XXXX on XX/XX/XXXX, I was informed by agent XXXX that the debt was no longer under their jurisdiction and had been forwarded to another company. Despite this, the debt continued to be reported to credit agencies with inaccurate information. During our conversation, XXXX became hostile and asserted that nothing would be removed, ultimately disconnecting the call. 

Upon my subsequent call, I encountered XXXX once more, and she exhibited immediate hostility. Due to the fraudulent practices, inaccurate data impacting my credit history, and threats of inaction, I have filed a formal complaint. I was later transferred to a supervisor, XXXX XXXX, who stated the debt would be removed in XXXX days, with no further confirmation provided.

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 2024-01-11 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: FL

Complaint narrative:
I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these 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 2024-01-10 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: 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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I have contacted Mohela many times for the same issue back since XX/XX/XXXX. I called and spoke to XXXX different reps again today and I was hung up by XXXX of them. My IDR date has not been corrected as I was told that it would get corrected months ago. XX/XX/XXXX again and I was told that they have XXXX different IDR dates XXXX for XX/XX/XXXX and XX/XX/XXXX and the rep was not even sure why there were XXXX different dates listed. Both these dates are incorrect. I asked to speak to a Mohela supervisor since I keep getting the run around but I was told that I could not speak to a supervisor. I have a date of XX/XX/XXXX listed on Mohela website to recertify but is is incorrect because based on XXXX XXXX, my recertification would be pushed out by XXXX year because I fall under the date listed to not be required to recertify " earlierst you could be required to recertify is XX/XX/XXXX. I need for Mohela to follow XXXX guidelines and " push out my XXXX recertification date by XXXX year to XXXX as soon as possible. The date to recertify is approaching but agian it is incorrect, and I am not required to recertify until the year XXXX. The letter I have attached shows the guidelines to follow from XXXX webstite that recertifcation are not required and recertification would " be pushed out by XXXX year '' Mohela needs to be found accountable for reporting incorrect information and not correcting information as they have promised many times over the phone. This has caused me mental health issues. I ask that cfpb assit me and resolve this by contacting Mohela to immediately update my IDR recertification year to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation