vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've my mortgage loan with the Fifth Third Bank and I've been charged a PMI amount of around XXXX XXXX per month because my initial down payment was less than XXXX XXXX  of the principle amount. In XXXX, XXXX, I made additional payments to the principle amount that brought my total down payment close to XXXX XXXX. Ideally Fifth third bank should have canceled my PMI amount in my monthly mortgage at this point but they still kept charging me XXXXXXXX XXXX every month for a year. In XXXX XXXX I finally sent them a notification email with the details to cancel my PMI which they did. However they said that they wouldn't be refunding me my XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) because I'd not requested them to cancel my PMI earlier, despite going above the 20 % down payment threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from 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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I provided the account information requested on the Capital One XXXX XXXX. Twice I entered it as requested and twice I tried to pay my own account off with my own business checking account in my name. The application asked for account number NOT ACH account number. Twice I entered my account number. 

I attempted a third time with my ACH number and found all of my accounts closed. I have tried to resolve this on the phone and was told the reason for closure was " unexpected behavior or behavior that goes against XXXX XXXX  XXXX ''. I continued to request escalation to higher people and met a wall. Once again, I am being asked if I wanted my accounts reopened. I said no. At the final wall I said have a nice day through gritted teeth and hung up. 

this is for a veteran owned company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
MR. COOPER needed to be federally investigated for making unreasonable hikes to ESCROW accounts with possible intention of having access to more unauthorized liquified funds or forcing consumers to sell or refinance their mortgage, which also serve the same intention they are seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Beyond Finance and I went into a contract back on XX/XX/XXXX to relieve debt accrued over the pandemic to XXXX XXXX and XXXX XXXX  in the total amount being around XXXX. I was told bank settlements usually take 6-9 months on average. XXXX issued a summons for me a year and a half later. Beyond Finance explained ( this is all recorded ) that my monthly contribution was going to increase from {$440.00} to well over a XXXX a month. I was then advised to go to XXXX XXXX to take over the debt. I was told this was my only option if I wanted to avoid court if I didn't have the money to give them now. I called Beyond Finance on XX/XX/XXXX and asked them the amount I needed to give them to end our relationship. I was quoted {$22000.00}. I made sure that this would end my debt and relationship with them. They agreed that this settles the account in its entirety. I stopped my biweekly payments to them at that time because I was told they were no longer needed. In XXXX a person showed up to my father 's house with a summons for me prompting me to call Beyond Finance. They told me they would not close the account unless I gave them another {$3500.00}. I spoke with a manager who assured me it would be taken care of. Her name is XXXX. 

No movement is being made, my credit score is completely shattered, and Beyond Finance has told me since XXXX that it would be finished the next week over and over. During this time I have received multiple harassing phone calls demanding more money or the account will not be paid off. 

I spoke with XXXX at Beyond Finance on Friday XX/XX/XXXX and she assured me it would be done this week. 

I have filed a complaint with the XXXX XXXX XXXX  case # XXXX. Beyond Finance has yet to respond to the XXXX  and is refusing to pay XXXX XXXX  after my final deposit. I can't get them to do their job so I'm hoping for help as my credit score is tanking and I can't do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXXXX/XX/year> My only employer is XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXX My only employer is XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: SC

Complaint narrative:
Please see Attached- Please help as ive been a victim of fraud my social was used for something that isnt mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: SC

Complaint narrative:
Please see Attached- Please help as ive been a victim of fraud my social was used for something that isnt mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive applied for a mortgage loan. The mortgage loan company is unable to pull the Equifax credit report. Equifax has told me 4 different ways to solve the problem and now they want physical documents and could take up to 30 days which means I will not get the loan. Each time I call it take ~30 min to speak with someone. Ive spent close to 4 hours trying to solve this. 
There has been no issues with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
EQUIFAX MUST UNLOCK MY ONLINE DISPUTE PORTAL IN ORDER TO FILE INVESTIGATIONS AS WELL AS ID VERFICATION ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: DISCOVER BANK
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several unauthorized inquiries listed on my credit report. Upon reviewing my report, I found inquiries from the following lenders that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries are negatively impacting my creditworthiness and should be removed as they are not associated with my consent. I kindly request that you investigate this matter and remove these inquiries from my report. 


Thank you for your prompt attention to this issue. I look forward to your response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several unauthorized inquiries listed on my credit report. Upon reviewing my report, I found inquiries from the following lenders that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX- BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are negatively impacting my creditworthiness and should be removed as they are not associated with my consent. I kindly request that you investigate this matter and remove these inquiries from my report. 


Thank you for your prompt attention to this issue. I look forward to your response. 


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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I believe it was XXXX XXXX XXXX it stated, but I remember applying for a loan but not receiving it or confirmation that I received it at all so I figured it failed. It doesnt even register that I have a account with them at all but it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
Legal action will now be taken as of XX/XX/XXXXXXXX  Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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