vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, PNC BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. PNC BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act COMENITY BANK/VCTRSSEC XXXX , has violated my rights. 

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 a account without my written instructions. 

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX ( nmls # XXXX ) on XX/XX/2023 afternoon and explicitly asked him to see if I provided all the paperwork he needs, would he be able to provide me with a Loan Estimate the same day and lock in as well as i am on a time crunch to close a property that i am purchasing. 
He has assured me multiple times that he can do that. He send me an email requesting all the paperwork and I sent him all the documents right away. After reviewing all the paperwork, he again assured me that he can provide me with a loan estimate within the day and we can lock in the rate at the same time. He also performed a credit inquiry at about XXXX XXXX on that day and once the report came in again assured me that i will receive a loan estimate within an hour. 

Then he said his boss XXXX XXXX ( nmls # XXXX ) would call me shortly. Since then i have asked XXXX XXXX numerous times over last week to see if his boss will call me and if he can get me a Loan Estimate so we can move forward. 

As off today, XX/XX/2023 XXXXXXXX XXXX i did not receive any Loan Estimate and XXXX XXXX kept telling me his boss is a busy man. 

XXXX XXXX and XXXX XXXX have completely neglected my urgent need for a mortgage and wasted about a week of my time. 

I have all the screenshots of our conversations and will be happy to provide if needed.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Nationstar Mortgage, a.k.a. Mr. Cooper has failed to provide it's customers with service. I have repeatedly tried to reach them by phone, to speak with a human being, about the required steps to process an insurance claim check which I recently received. Nationstar is listed as a co-payee and I must coordinate their endorsement to be able to deposit the funds for repair of my home. 

Multiple phone # 's have been used to reach them with no human contact available. This is deplorable customer service. I have had my mortgage with them for a couple of years now and never been late on rendering consideration to them. Perhaps if I withhold my payment, a real human being will call me, at which time I can address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S.C 1681b Permissible purposes of consumer reports. 

It's a defamation to my character having all these inquires on my credit report that I didn't authorize. I tried and called several times to have these false inquires removed, and nothing. I asked for an udated credit report more then once and finally received it to see more inquired that are false on my credit report. 


XXXX XXXX ( XXXX ) XX/XX/2023 and on XX/XX/2023 XXXX XXXX XX/XX/2023 and XX/XX/2023 XXXX XXXX XX/XX/2023 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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian Consumer Assistance, I hope this letter finds you in good health and high spirits. I am writing to request the removal of a fraud alert that was placed on my credit report. I understand the importance of maintaining the security and integrity of credit information, but I believe the circumstances surrounding the fraud alert no longer warrant its presence on my credit profile. 

I had placed a fraud alert on my Experian credit report on [ Date ] due to [ briefly explain the reason for the fraud alert, such as a suspicious activity or unauthorized access ]. However, after taking necessary steps to resolve the issue and safeguard my personal information, I am confident that the risk of any fraudulent activity has been adequately addressed. 

To provide you with further details, I have taken the following actions to protect my credit and personal information : I immediately contacted the respective financial institutions to report the fraudulent activity and initiate the necessary measures to secure my accounts. 
I filed a police report with the [ Local Police Department ] to document the incident and provide evidence of the fraudulent activity. 
I have diligently monitored my financial statements and credit reports to ensure no additional unauthorized activities have occurred since the initial incident. 
Considering the steps I have taken and the time that has elapsed since the incident, I kindly request that you remove the fraud alert from my Experian credit report. Removing the fraud alert will allow me to proceed with financial transactions and credit applications without unnecessary delays or inconveniences caused by the alert. 

I understand that Experian may require additional documentation or information to process this request. Therefore, please inform me of any further steps I need to take or provide me with a list of supporting documents necessary to expedite the removal process. 

I appreciate your attention to this matter and your commitment to maintaining the integrity of credit information. Should you have any questions or require any additional information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution and the removal of the fraud alert from my Experian credit report. 

Yours sincerely, 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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANDY SPRING BANCORP, INC.
State: FL

Complaint narrative:
We have cc account with Sandy Spring Bank! The accounts were closed 18 months ago but XXXX of fees were being taken out monthly. Contacted the bank to stop unauthorized debits and they said they could not help. Closed the acoiuny and they took monies out if another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I paid off my Mortgage on XX/XX/2023 and have an escrow balance of {$1500.00} that I was told mailed to me on XX/XX/2023. I called US Bank on XXXX to notify I had still not received my check and was told nothing could be done till after 30 days from mailing. I called US bank again on XX/XX/XXXX and was told a replacement check would be sent. This morning XXXX I called inquiring why I still haven't received my check and was told they had no record of my call, they then said the only thing they could do is put in a replacement check request and it might be up to 30 days again before receiving it. I have other accounts with US bank and asked if I could have my balance owed transferred to my account, wired to my other bank, a check overnighted to my home or any other possible form of expediting my funds but told, no. It is unfair and should not be legal that they can keep my money for an extended period of time without paying me interest or making any attempt to correct their many errors in processing this payment.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am having trouble accessing my money at US Bank. I did a XXXX transaction for a big amount which triggered their fraud protection. It locks you out of your account for 48 hours. I waited 48 hours and called multiple times during this time, but the amount of time is set automatically. During this time, I could not access my account at all online or though mobile banking. 

After my access was restored, I told customer service I would like to do the XXXX transaction again. I did it with the agent on the phone, but my access was locked again. There was no guidelines other than a vague " wait 24 hours '' but I need to send the money as soon as possible. My account is locked again without recourse.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I purchased my home and financed it with XXXX Bank in XXXX. The loan is serviced by XXXX at this time. In XXXX I took advantage of a government sponsored mortgage payment deferral program offered due to XXXX related loss of income. The program allowed us to defer three months of payments without penalty or interest due to my wife losing a part time job related to XXXX. I recently applied for a home equity line of credit with XXXX Bank and have been turned down due to the loan deferral. The response I received is that " We can not proceed with a mortgage that has been modified ( due to deferment ) and we are unable to payoff any liens that are at no interest. '' This was a special Covid program that was promoted as helping the consumers. I believe I am being unfairly discriminated against because I took part in a deferment program that was meant to offer relief to those suffering Covid related loss of income. I would have never taken part in this program if I knew that it would prevent me from ever utilizing the equity in my home.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: ID

Complaint narrative:
This goes hand-in-hand with my previous complaints filed with your company regarding pentagon federal credit union . they sent me repossession letter dated XX/XX/2023 Giving me 21 days from the date of that later to pay the past due balance, where they were going to repossess my car. However, I did not receive that letter until XX/XX/2023, which would be shown on the certified mail return receipt requested form that I signed at the post office on XX/XX/XXXX. I have been trying to contact them daily since receiving that letter. The contact name provided on that letter was XXXX XXXX. I have left multiple voicemails for him dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all have been answered, and all have been not returned. I even emailed them asking what theyd suggest I do. As of yet, I have received no return phone calls and no emails addressing my question and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing so just updating your phone number so they can access their account. If you could address this, tell me what I need to do in order to start the process as I have received no return phone calls and no emails addressing my questions and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing such as updating a phone number so the customer can access their account. If you could address this, tell me what I need to do in order to serve process on them or file a complaint - because Ive asked them for that information also and they wont respond. Ive asked them for mediation or arbitration. Ive as for their registered agent information. Ive asked for their legal team to contact me. They refuse to provide me any info or give me any access to my account- its not right what they are doing. I need help.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : 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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXXXXXX XXXX who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( TransUnion, XXXX, and XXXX ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and 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