vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
My wife and i purchased a fixer-upper house in XXXX XXXXthrough mortgage company Movement Mortgage XXXX Through the loan we were buying the property as well as complete renovation. We had to get bids for the job and submit them along with info on the general contractor to the mortgage company, and it was our understanding that Movement Mortgage would vet and either approve or deny the contractor. It became very evident that they failed to do this as the contractor quit leaving our house in ruins, and it has come to our attention that the contractor had forfeited his business months before due to tax reasons, and Movement Mortgage never caught this. The contractor got away with $ XXXX of our money and left us at risk of the house being condemned. Movement Mortgage has taken no steps to help make this right. 

Hired a man named XXXX XXXX to be our general contractor. I had known XXXX for quite some time as he was a member at the country club I work at. He applied for the job with the business name, XXXX XXXX XXXX XXXX. Several months and red flags later we found that this business did not exist as an LLC at all and he lied on the application. After receiving over {$57000.00} in draws from Movement Mortgage and {$7000.00} personal funds, he abandoned the project after 5 months and breached our contract in many ways. Our house is now severely damaged due to the state it was left in and in danger of being condemned all together. We are facing multiple leins on the property because he didn't pay his subcontractors. According to a licensed inspector with XXXX XXXX XXXX XXXX, the work that was done by XXXX is defective and dangerous. The entirety of XXXXXXXX XXXX work will need to be torn down and rebuilt. After multiple calls to various lawyers, it's clear that the state of Texas doesn't protect you against scammers like XXXX. As a result of this man 's actions, my wife, toddler, and myself are now living in an office at my in-laws, paying mortgage on what is now a big pile of trash. I'm posting this in hopes that it's shared to prevent XXXX from hurting another family and to remind people that you can't trust just anyone. Sometimes, not even people you've known for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Mailed a letter to Citi Bank by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " CBNA '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " Citi Cards CBNA '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/2022 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The three credit bureaus ( XXXX, XXXX, Equifax ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Equifax - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The three credit bureaus ( XXXX, Experian, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXX Experian - 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 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds 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 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I was notified by XXXX of an inquiry into my credit by Bank of America, which I did not authorize nor have I had any contact with Bank of America in about 8 years, when I closed my checking account with them after many unauthorized transactions had occurred. Neither XXXX nor XXXX XXXX show the reason for the inquiry into my credit, which is listed on XXXX. 


I did call the Fraud Department at Bank of America and was told there was no record of an inquiry in their database, however, the inquiry IS listed on my credit report as Bank of America. 

I would appreciate any help you could give in clearing this matter up so I can get this inquiry off of my credit, as I did not at any time authorize Bank of America to make this inquiry. 

Thank you.

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 2022-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and XXXX dispute has been denied as well. After going on websites though portal. Still denied.

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 2022-08-08 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: NY

Complaint narrative:
Good Day, XXXX and Transunion has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX Balance {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - XXXX and Transunion assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give XXXX permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. XXXX and Transunion was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - XXXX and Transunion assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.

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 2022-08-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 non-monetary relief
Consumer complaint received 2022-08-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX  XXXX Account # XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. XXXX XXXX Account # XXXX Bal : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I never received my XXXX statement for my TD bank/target card. They reported a 30 day late payment on my credit report. When I found out about it, I paid the account in full and closed it. All this was even done before the payment would have been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied a payment of {$1500.00} in good faith on XX/XX/XXXX towards my PenFed credit card because of a 0 % interest charge set to expire on XX/XX/XXXX of {$1400.00} Pen Fed took it upon themselves and applied {$450.00} to that amount that I wanted to pay in full ( because that's how payments usually work to my knowledge oldest balance paid first ) and the other {$1000.00} to a more recent balance that also had 0 % promo they offered me. SO instead of being free and clear of the amount that was subject to an 18 % interest rate They applied {$450.00} to the {$1400.00} and say I STILL owe {$960.00} that now they are charging 18 % interest on that amount. I have found this out on XX/XX/XXXX I called and they said I had to apply one payment wait a day and apply a separate payment for it to pay the oldest balance first. WHY have I never read or seen such difficult processes to pay off balances owed. On top of that... I've been out of work the last 9 months and they didn't care when I told them that I borrowed that initial payment money from someone who I now have to figure out how I'm going pay back on top of how deceitful PENFED had been because now they are charging me Money on an amount that should have been paid in full. I spoke to a manager who just said it is what it is. I feel lied to and wronged as a consumer. This is very deceitful and now I'm afraid to make payments because they do what they want with the amount. I usually read the Terms and Conditions and don't recall this put into wording that consumers can understand. They are making money off of this by charging me interest that should never been billed to me ... on top of that I'm still waiting for an updated statement to see how/where XXXX payment was applied...

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 2022-08-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My income to debt ratio is not correct on my Experian account. My income has changed from last few months but unable to update on my credit file. I have contacted Experian as they are unable to help me or resolve the issue. By having wrong income to debt ratio, my credit score is down and I am unable to get better credit from my lenders. My credit file also shows that I am delinquent on the account and my credit file is new, whereas, I am in this country from last 36 years. In either case, I am not getting correct information from Experian and it is hurting my credit.

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