vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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:
To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-10-30 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: CA

Complaint narrative:
I am filing this complaint to TRANSUNION for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support 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 explanation
Consumer complaint received 2024-10-30 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: NY

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. 

Account name : 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 XXXXDEPT OF JUSTICE XXXX DEPT OF ED XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-30 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: NY

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. 

Account name : 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 US PROBATN XXXX XXXXDEPT OF JUSTICE XXXX DEPT OF ED XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Settle an account and its still reporting as open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: MN

Complaint narrative:
I am a victim of identity theft and someone applied for and got approved for a Best Egg personal loan using my name and personal information. I have never applied for a Best Egg personal due to me being XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The credit card was closed and then reopened as new

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: IL

Complaint narrative:
I have disputed the public records report to all three major credit agencies. XXXX, TransUnion, and XXXX in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.

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 2024-10-30 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: IL

Complaint narrative:
I have disputed the public records report to all three major credit agencies. Equifax, XXXX, and XXXX in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I made an AirBnB purchase with my Apple Credit Card and did not receive the service as described from XXXX. I captured video, pictures, and information from XXXX to build my case and submitted it to Apple. The first time I submitted my charge back they did not classify the type of dispute correctly. I then had to speak to someone on the phone to get it all corrected. I was then declined again on my dispute and when I asked for more information they gave a blanket statement of evidence does not support the action. I then closed my account and paid the amount due because it felt incredible frustrating dealing with the customer service agents and trying to get more information from them. They are not protecting their consumers from fraudulent companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I couldnt believe it when I saw incorrect accounts on my credit report today. I check my report regularly, and I was completely blindsided by these mistakes. I tried refreshing my browser to see if it was a simple glitch, but that didnt work. Im requesting that my submitted documents be thoroughly examined to ensure I wont have to face this issue again.

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 2024-10-30 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: TX

Complaint narrative:
Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX with accurate information. XXXX and Transunion continue to erroneously report the account as open with a current balance.

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 2024-10-30 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: TX

Complaint narrative:
Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX with accurate information. Experian and XXXX continue to erroneously report the account as open with a current balance.

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 2024-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We entered escrow on XX/XX/2024 for an assumption loan with Freedom Mortgage Corporation. 
Freedom Mortgage did not allow us ( buyer/seller ) to close for 10 months until XX/XX/2024 due to their own delays and mishandling of documents. 
In that time, Freedom Mortgage Corporation lost submitted paperwork from the buyer and seller on multiple occasions. 
We were contacted on XX/XX/XXXX by XXXX XXXX, a customer advocate from Freedom Mortgage Corporation, who collected our paperwork to help ensure " a smooth, quick closing, and to answer any questions you may have during the process. '' After several weeks of submitting documents, XXXX XXXX disappeared. He would not answer email or phone calls from the buyer, seller or our realtors. Neither XXXX XXXX nor Freedom Mortgage made an attempt to contact any party in late XXXX, early XXXX. 
The buyer/seller begged to make contact with Freedom Mortgage XXXX Department for XXXX from XXXX. 
We were finally placed with a new loan processor, XXXX XXXX, on XX/XX/XXXX. 
Though polite, she continued to lose files, death certificates, bank statements, etc. She could never find documents previously submitted and uploaded to the system, causing constant delays in our loan process. 
All of these delays led to a closing date of around XX/XX/XXXX, with us legally bound to make the mortgage payment starting XX/XX/XXXX. 
However, because of Freedom Mortgage delays over the course of 8 months, the previous homeowner had to leave the home vacant, to which a water pipe burst and damaged the entire home. 
It is now XX/XX/2024 and we have still not received the insurance money from Freedom Mortgage Loss Draft Department to fix the house and move in. They did mail a check to us last week, but it was made out to the previous homeowner 's dead wife ( the death certificate they keep losing ). 
Our XXXX father is currently homeless because of Freedom Mortgage Corporation 's XXXX XXXX XXXX correctly. 
We are waiting for them to locate the death certificate we just submitted for the XXXX time to Loss Drafts. 
Our father has adult kids to help with things like mortgages, and Freedom Mortgage keeps losing our third-party authorization forms every month, making it impossible to speak with them. 
This has been an outrageous and disgusting process from Freedom Mortgage Corporation. 
They were given appropriate documents to process forms and checks correctly, yet they still will not hold up their end to execute appropriate mortgage practices.

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 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I disputed this debt around XX/XX/year>. The creditor stated in the response on my debt that this item was removed. However XXXX is still reflecting it and when disputed through them the results came back accurate. So prince Parker did not remove this debt as stated and complaint has yet to be 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed the account balance with TransUnion after fully paying off my debt with XXXX XXXX. Despite this, TransUnion still shows an incorrect balance of {$500.00}, which should reflect {$0.00}. Additionally, they closed and reopened the account, resulting in an extra XXXXXXXX XXXX  entry with the following inaccurate details : - **Last Reported** : XX/XX/year> - **Balance** : {$500.00} ( should be {$0.00} ) - **Highest Balance** : {$22000.00} - **Late Payments Added** : XXXX, which were inaccurately and purposefully added, further impacting my credit. 

The account status should reflect a {$0.00} balance and accurate payment history, as I have met my financial obligations in full. Please correct these discrepancies promptly.

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 2024-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I reached out to cfpb in 2016 regarding issues with Navient before you all reached a settlement with them and after my 2016 complaint they began to charge me late fees and continued to charge the same fees every month for the past 4 years. I would pay the fee and it never got removed so I'd pay again and they'd still charge me. They have now transferred the fee to Mohela for me to pay again. I have more documents to attach to support my claim, but the files are too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
This morning, I was shocked to see inaccurate accounts on my credit report and can't understand how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the errors remained. Because of this issue, Im urgently asking for a thorough review of the documents I submitted so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. Mohela, to date, has only updated XXXX with accurate information. XXXX and XXXX continue to erroneously report the account as open with a current balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time.

This approach is unacceptable. This is not a Wild West but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the XXXX XXXX XXXX  Act in particular.

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