vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'd like to dispute inaccurate information on my credit report, including incorrect addresses and other variations of my details that are not accurate. The addresses in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, several name variations are incorrect and not associated with me, such as XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Incorrect Employer variation XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Lastly, please remove the phone numbers listed on my consumer report. These details are inaccurate and do not belong to me. I am requesting their immediate removal and for my credit report to be updated with only accurate and verified information. My name should be XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, and my current employer is XXXX XXXX XXXX. Once these changes are made, I request written confirmation and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
In XX/XX/year> I had car accident and was injured. I was hospitalized. I provided my health insurance to the XXXX and fire department. Hospital expenses was covered by insurance. After one year XXXX XXXX department send me a bill for {$5200.00} and said what they did not have my insurance information. After I gave insurance information and claim my insurance i received an answer/bill what health insurance claim time frame missed ( only 6 months ) and it not covered any more. I'm sore what i provided my insurance in accident day. Looks like fire department missed claim insurance company and send me the bill and put it on collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I purchased my home in XX/XX/XXXX. Last XX/XX/XXXX I received mail saying that I had a surplus in my escrow account therefore the mortgage company ( Mr. CooperXXXX ) XXXX me a check for XXXX that was the surplus amount. My mortgage payment also dropped to {$1700.00} a month from the original {$2400.00}. Then in XX/XX/XXXX I received mail that I had a deficit in my escrow account. As a result the mortgage company is now asking me to pay $ XXXX to make up for the deficit and if I don't my monthly payment would increase from {$1700.00} to {$3800.00}. This is an absurd number to XXXX XXXX where if I had to pay {$3800.00} a month I could not afford it. Luckily I did not spend all the XXXX and have savings therefore paid the XXXX but I also learned that with this payment, my monthly mortgage would increase to {$2600.00}. If I had known this, I would have never bought this house in XXXX. 

I also learned that the mortgage company typically does their escrow analysis once a year at the end of the year so why was my escrow re-evaluted mid year in XXXX? Why would they make me go from {$1700.00} to {$3800.00} a month like it wouldn't be a problem? If I hadn't saved money, I would be unable to pay my mortgage, therefore losing my house and defaulting on the loan leading to a bad credit history which I never had. To me this is an abuse of my mortgage company not doing their due diligence in figuring out the escrow for the year, then making me make up for their mistake which is completely wrong - especially in an inflated economy right after my area has went through XXXX hurricanes back to back last year.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IN

Complaint narrative:
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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Good day, I can not express enough how exhausting and overwhelming this situation has been. Imagine waking up to discover a debt that isnt yours, completely unverified, and finding yourself harassed through countless channels with various tactics. Its beyond frustrating and deeply unsettling to face threats of legal action over something I have no connection to. As a XXXX XXXX, this feels like a blatant violation of my consumer rights. The stress is affecting my XXXX  XXXX, and Ive spent several sleepless nights worrying about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a HSBC Elite credit card with an annual fee of {$490.00}. I intended to utilize it for my travel during the upcoming holiday season in XXXX and XXXX. However, the card has been blocked and is currently under review since early XXXX. Despite numerous attempts to contact HSBC staff, I have been unable to obtain any information regarding the reasons or status of the review. 

Over the past two months, I have made more than five calls to the bank, only to be repeatedly advised to wait for their calls. However, it is evident that they only made two initial calls, posing the same questions. I have been patiently waiting for almost two months, yet I am still unable to access my card. This situation has significantly disrupted my travel plans, as I am forced to withdraw cash from local ATMs and carry it in a potentially unsafe environment. 

On XX/XX/XXXX, I contacted HSBC to inquire about the status of my card. I was informed that I should wait for a decision call and was refused an estimate of the waiting time. I am frustrated by the lack of transparency and the inconvenience caused by this situation. Given the {$490.00} annual fee, I am eager to close the card if I am required to continue waiting. 

To my surprise, I was informed that I need to wait for a decision from " the team '' before I can close my own credit card. This is an unnecessary obstacle, as I am unable to access the card even now. 

In my opinion, HSBC 's actions do not align with the promises made in their advertising materials. The card was advertised as a tool to enhance one 's lifestyle and elevate travel experiences. However, this has not been the case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require my explicit consent. I did not authorize the inquiries listed below, and their presence negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require my explicit consent. I did not authorize the inquiries listed below, and their presence negatively impacts my credit profile.

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 2025-01-06 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Used my XXXX XXXX to pay for a storage rental unit as I had done XXXX separate previous times in the immediate year prior XXXX at XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX 
For reasons unclear, new employee at XXXX XXXX ( XXXX ) decided to refuse me entrance to said paid-for unit while claiming her/their right to keep my money. 
I spoke w XXXX  customer service who referred me to this location 's District Manager XXXX. He assured me all was Ok and sent me back to the facility location. I was still denied both access and my money back. 
Disputed w XXXX XXXX timely. Decision was made in 1 day! Representative claimed company had the right to keep {$29.00} admin fee since contract said amount was non-refundable. I argued they could fraudulently rent the same unit XXXX per day then but never allow anyone to take possession while still making {$290.00} per day. Redcard rep said that didn't matter. I also pointed out they kept my {$1.00} rent promotion as well. She said that was my fault, too. 
I said I wanted to appeal. I was told they could only reopen the dispute. Days later the same rep called and told me the dispute was being closed and I lost. 
XXXX XXXX stole from me. I paid for a good or service I was denied AND they still kept my money. 
XXXX failed to follow federal law to ensure I was protected from an unscrupulous vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XX/XX/year> - Received funds ( {$800.00} ) via Venmo from a family friend for housesitting over the holidays. I opened a new Venmo account because that was their preferred payment. Funds were frozen upon receipt and attempting to connect my bank account. Venmo has now requested ID twice with no additional follow-up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/year>, Bank of America closed my account all of a sudden. And when I called to find out information, as to why it was closed. They could not give me any reason. And I asked when will I get my money in my checking and saving account. The representative did know any answers. This is bad business. I received a letter in the mail Saturday XX/XX/year> saying they couldn't open my account. But the account had been opened for months, and I have been using it.

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 2025-01-06 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: NY

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention 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 2025-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
In XXXX or XX/XX/XXXX, we received a tax bill from XXXX in the amount of {$3900.00}. We assumed, because we were paying into escrow, that Freedom Mortgage was receiving our tax bill and would pay that tax bill from the escrow funds. We own two related parcels of land, a condo and a parking spot. This relates to the condo. 

On XX/XX/XXXX, we received a notice of delinquency indicating that the taxes had not been paid and that we would be incurring a penalty of {$130.00}. Not wanting to incur further penalties, we paid the tax bill and the penalty amount. ( Notices and receipts of payment are attached. ) Our mortgage is fairly new and our mortgage was sold to Freedom Mortgage shortly after obtaining it, so I assumed this was a wrinkle that could be easily worked out. I messaged Freedom Mortgage through their secure portal on XX/XX/XXXX. Their response was they would get back to me by XX/XX/XXXX. On XX/XX/XXXX, I provided an additional note about the penalty. Their message back said I would get a response by XX/XX/XXXX. I attached notices and receipts to all messages. 

On or about XX/XX/XXXX, not having heard back from Freedom Mortgage, I called their support line. I informed them of the issue and that I had not received a response. They told me I would receive a response shortly. 

On XX/XX/XXXX, I received a response through the message portal that " We apologize for any inconvenience this may have caused. We acknowledge receipt of the property tax payment and penalties. We have verified with XXXX XXXX that the taxes are paid current for parcel number ______. '' The response confirmed that payment had been made, but completely ignored the fact that it was paid because we paid it, not Freedom Mortgage, and that we had paid a penalty as well. 

On or about XX/XX/XXXX, I once again called the support line expressing the inadequacy of that response. The person I spoke too encouraged me to resubmit my complaint and to, once again, attach the documents. So, I did so. On XX/XX/XXXX, I resubmitted a message about my issue with all documents attached. Freedom Mortage 's response was that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX, I received a response that ( 1 ) was addressed to the wrong client, ( 2 ) that misrepresented the penalty as being paid to escrow and not to XXXX XXXX ( 3 ) stating that tax bills from XXXX XXXX are for our information only, which should have been the case but obviously was not. 

Because this is a new mortgage and because Freedom Mortgage recently took it over, I was prepared to be very understanding. However, I am seemingly unable to get Freedom Mortgage to provide a response that is even coherent, let alone one that indicates my concerns/documents were read or understood.

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