vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Received a spam text message from XXXX as follows " ( XXXX-Alert ) You recently scheduled ATM Withdraw Using XXXX Pay XXXX - XX/XX/22. if this was NOT you visit XXXX. ". I do not bank with XXXX XXXX and do not own a XXXX phone. I genuinely believe this is spam and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I received a text message from Sequium on Thursday XX/XX/XXXX at XXXX to contact them and that Sequium is a debt collector and then provided me with a reference number. After inputting the reference number I have a collections from XXXX in the amount of {$870.00}. 

On Wednesday XX/XX/XXXX I called XXXX to ask for solutions and prevent my account from going into collections. Only to find out I have been charged for a service I haven't used in over 2 years! There's XXXX accounts I have for the XXXX security system. XXXX XXXX which is the loan for the products and XXXX for the services ( apps ). I was being charged for the app services which I have called in to pause the account because my system isn't set up and not in use since I moved in XXXX of XXXX. 

I was being charged for a service that is not in use, nor was I notified or contacted in any way about the status of my account on when my services started again, when they started charging me, no billing statement was sent via email, and then I wasn't notified of my account with an owed balance. The only time I was notified of my XXXX service account was when Sequium texted me trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
During the Covid pandemic I was let go from my job and was unemployed for about a year, during this time I spoke with a service rep at American Express about my account, after seeing that they had posted on the website that they have a Cares act plan in place for people who are affected by the Covid pandemic, during my call I ask the rep if they could suspend the account until I was back working and freeze the payments and late fees the rep explained that this could not be done by the next payment bill I noticed late fees piled up along with dropping my credit limit which in turn maxed out my credit card causing my score to be affected and my payments to minimum increase after 120-150 days they closed they account and continue to report this account negative to the credit agencies as they continue to contact me during the dispute process I ask if they were willing to reopen my account remove the late fees and I will start paying on my balance, the rep told me this is not possible and said I have to pay my entire total including late fees which accumulated during the pandemic only to have to reapply and if Im approved start out with a credit limit of {$500.00} seeing that my credit score is and has been drastically affected by the pandemic I would be extremely unlikely to get approved again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a piece of mail from Bank of America which stated that they recently received two applications from me for a Mastercard. I never applied with Bank of America for a Mastercard.

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 2022-07-20 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: CA

Complaint narrative:
According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A credit card was opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute with transunion as of today ( XX/XX/XXXX ). Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX. They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX 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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My monthly mortgage payment is {$550.00}. I have autopay setup on my personal banking and the amount which is due on the XXXX of every month is sent to my mortgage company 4-5 days prior to the due date. I received a telephone call from Shellpoint Mortgage on XX/XX/XXXX at XXXX XXXX. demanding payment for my mortgage. The caller stated that they had not received a payment for the month of XXXX. I informed the caller that I send the payments every month a few days in advance which is deducted directly from the bank account and that I've never been late on a payment. She said that she would have someone else look at the account and contact me within the next couple days. On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from the same number but was unable to answer while at work. The caller did not leave a message. On XX/XX/XXXX at XXXXXXXX XXXX., I received an e-mail from Shellpoint Mortgage that there was no record of payment found. On the same day ( XX/XX/XXXX ), I contacted the mortgage company and was told that my payment was increased that I was notified in XXXX via e-mail. I do not typically receive that type of correspondence via e-mail nor did I receive such an e-mail. 

Every year, Shellpoint Mortgage sends a request for proof of insurance and every year I provided the requested document. On XX/XX/XXXX, I received a letter in the mail from Shellpoint Mortgage confirming that they received my proof of insurance. On XX/XX/XXXX, I noticed on my mortgage statement that there was an increase in my payment and a current escrow balance. On that same day ( XX/XX/XXXX ), I contacted Shellpoint Mortgage over the telephone and was who was informed that they needed additional proof of insurance. I spoke with a young lady by the name of XXXX who provided me with a Reference # XX/XX/XXXX. She said that once I emailed her the additional document, that she should request to run a new analysis payment adjustment to return the payment to the amount that I normally paid. I never heard from her. 

So on XX/XX/XXXX, when I received that telephone, it came as a surprised especially since I was still awaiting a response. 

Shellpoint Mortgage has increased my payment and marked my record as having a late payment for which they charged me {$11.00}. Additionally, they have not been applying my payments correctly. Their website shows that my payments are going towards Mortgage Principal Only which it should not be. According to Shellpoint Mortgage, they have increased my payments to {$690.00} with no explanation. 

I have filed a complaint with the customer department but would like assistance with getting this resolved.

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 2022-07-20 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: CA

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX XXXX XX/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 2022-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOPA EQUITIES
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out multiple disputes to all XXXX bureaus. I called XXXX yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from XXXX said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all XXXX disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within XXXX weeks. 

Disputes XXXX. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have XXXX more XXXX XXXX cards that are both in good standing. 

XXXX. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have XXXX cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report. 

XXXX. Townsgate Capital Corp is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( Sage Pre-Owned ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to Townsgate Capital Corp working with a deceptive company, I would like to have them removed from my credit report. 

I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the XXXX letter won't state the updated information regarding the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT XXXX CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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:
I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX XXXX and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct XXXX XXXX showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX My interaction with Supreme Lending was to see if I could buy a house for myself and my young family. I talked to " XXXX '' in XX/XX/XXXX. 
" No problem '' he told me. 
NO MENTION OF NEGATIVE CREDIT REPORTING We find a house and here comes a woman named " XXXX '' She says, " I'm Supreme Lending now '' NO MENTION OF NEGATIVE CREDIT REPORTING. 

We never did business and now I have negative marks on my financial reputation. I want these hard inquiries removed. 

All three credit agencies, one hard inquiry in oct. XXXX and XXXX in XX/XX/XXXX. 

These are fraud. It was fraud by inducement occurring when a misrepresentation leads another to enter a transaction with a false impression of the risks, obligations and duties. 

That's what XXXX and XXXX did of Supreme Lending. They committed fraud against me. 

Also, my understanding is that under the fair credit reporting act XXXX " 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 ( me ) to whom it relates. 

I did not give these people written instructions to do negative credit reporting and injure my financial reputation, why would I do that? 

I came for an extension of my credit, not to be injured by this company and DEFRAUDED.I am requesting that you help me in making my credit report " Fair and equitable '' to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-07-20 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: CA

Complaint narrative:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: OH

Complaint narrative:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
In XX/XX/2022 someone tried to use my on line banking at XXXX Bank. We closed account and opened a new account. Recently I received a notice from TRS collection that I owed {$4000.00} for a debt owed to XXXX XXXX XXXX. I know nothing about this. It seems someone opened an account at XXXX XXXX Bank in my name and address to pay for whatever they spent. I told TRS this was not me and now they sent a list of paperwork to fill out. I am XXXX XXXX XXXX and trying not to get upset about all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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