vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: MD

Complaint narrative:
I am writing to reiterate my final demand for the immediate removal of inaccurate and unauthorized negative accounts that remain on my credit report despite prior disputes and efforts to resolve these issues.

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 2024-11-04 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: OpenRoad Lending
State: WI

Complaint narrative:
XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number XXXX dont recognize. After contacting all three companies showing on my report, we concluded that OpenRoad Lending had submitted the hard inquiry with other XXXX lenders. I contacted OpenRaod Lending and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : XXXX XXXX and XXXX XXXX XXXX. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the Equifax XXXX breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I closed on my conventional mortgage on XX/XX/year> at a sales price of {$480000.00}. After selling my prior house I was able to pay down my balance by {$200000.00} bringing the unpaid principal balance to {$250000.00} by XX/XX/year>. Because of ACH restrictions I had to structure my payments over three transactions. I requested for the PMI to be removed, Mr Cooper ( servicer ) stated the investor requirement is to complete either a XXXX  or a new appraisal to ensure property values have not gone down. 

Given how recent I closed, residential real estate values are not in a materially deteriorating environment, and the loan to cost of the original price is at 53 % the PMI should be removed. PMI was assigned due to a brief timing gap to close on the purchased house compared to the house I was selling. 


Borrower Name : XXXX XXXX Loan Number : XXXX Servicer : Nationstar Mortgage LLC dba Mr Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I have a credit report for bank of america XXXX XX/XX/XXXX that i never did. not sure but someone filled out my info. i know my XXXX  could have possibly done it as i been getting signed up to many things by him and he and my mom have gone thru divorce and he isnt in a good place with me and sister also i have report from XXXX XXXX from XXXX that shouldnt be on there. my fiance used her credit to purchase the vehicle and i had nothing to do with 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 non-monetary relief
Consumer complaint received 2024-11-04 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: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-04 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-04 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-04 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 check my credit report and there are 4hard inquiry on my report that Im not familiar with the name of those 4 inquiry XXXX XXXX  They appear on my account XX/XX/XXXX, XXXX XXXX and XXXX and also XXXX XXXX I should be only have one inquiry with them and they appear to be 2 additional inquiry that Im not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2024-11-04 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Yes I was siting in my living room and my phone showed a purchase from XXXX XXXX of. I called XXXX Goldman XXXX saying I am in my living room with my card and my phone. I have not been to XXXX XXXX in over two weeks, so it was not a delayed tape run. They showed the purchase as being made on my phone which was with me at home! 
They had me change my XXXX password as we were shutting the card another charge was coming through, the other charge was cancelled immediately. Somehow they keep telling me I was at XXXX XXXX and I made the purchase. When I did not make this purchase, its beyond ridiculous for a XXXX card. Goldman XXXX is not protecting the consumers, I have never encounter such a terrible bank. People need to be very aware that there is no consumer protection on this credit card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I obtained the loan in XXXX from XXXX XXXX  company the interest rate was 14 %. They filed bankruptcy I do not have the dates. After this the mortgage was sold at least XXXX more times. The last company was Specialized Loan Servicing. I applied for a loan modification after talking with them regarding the 14 % interest rate it was denied. I then applied for a refinancing with XXXX XXXX and the loan officer referred me to your office. She said that I might be a victim of predatory lending, due to the high interest rate, & payments have now exceeded the actual value of the home itself. I would have to look back at all of my paperwork to get actual dates for you if you need them. I will have to research all of my paperwork to find dates. On XX/XX/XXXX I received notification that Specialized Loan Servicing was transitioning to a new company called Shellpoint, however, we would keep our same account number.

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 2024-11-04 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: PA

Complaint narrative:
To whom this XXXX concern, My name is XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

Subsections 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand immediate removal of the listed accounts in my report and in this file. These accounts were added without my expressed written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts in my statement. Additional Unauthorized Inquiry : XXXX, XXXX XXXX Bank, XXXX XXXX Na, XXXX XXXX Na, XXXX XXXX, XXXX XXXX Na, 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 2024-11-04 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: PA

Complaint narrative:
To whom this XXXX concern, My name is XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

Subsections 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand immediate removal of the listed accounts in my report and in this file. These accounts were added without my expressed written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts in my statement. Additional Unauthorized Inquiry : XXXX, XXXX XXXX Bank, XXXX XXXX Na, XXXX XXXX Na, XXXX XXXX, XXXX XXXX Na, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CredHub, Inc
State: CA

Complaint narrative:
I vacated a rental unit in XXXX XXXX in XX/XX/year> after only 10 days due to severe habitability issues, including mold and structural defects, which violated the legal warranty of habitability. The property management company, XXXX XXXX XXXX, failed to address these issues, which were latent defects prior to occupancy. Despite this, they reported an unpaid rental balance to XXXX, which is now inaccurately affecting my credit report. There is no legal responsibility on my end, as landlord-tenant laws were breached due to habitability violations. 

I disputed the balance with XXXXXXXX XXXX XXXX and subsequently with my credit card provider. Most of the disputed amount ( {$4600.00} ) was refunded, but {$1100.00} remains rebilled. XXXX XXXX XXXX has since stated in their communications that they consider the matter closed. 

On XX/XX/year>, I emailed XXXX to dispute this inaccurate report and provided supporting evidence, including mold test results and photos. However, XXXX has not responded to my email or any follow-ups in the past XXXX weeks, and attempts to reach them by phone have been unsuccessful. 

This lack of response has caused unjustified harm to my credit. I am requesting that XXXX immediately correct the inaccurate information on my credit file to reflect that no balance is owed and that the account is closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to reiterate my final demand for the immediate removal of inaccurate and unauthorized negative accounts that remain on my credit report despite prior disputes and efforts to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to reiterate my final demand for the immediate removal of inaccurate and unauthorized negative accounts that remain on my credit report despite prior disputes and efforts to resolve these issues.

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 2024-11-04 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: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
Wed XX/XX/XXXX submitted request for cashiers check to be sent to us in the name of car dealership. Told we could pay to expedite. Would deliver in XXXX business days because we requested after XXXX. Told to call next day for tracking number it would be sent the next day. Thursday called twice no tracking number. Called Friday no tracking number we are told it is under review would arrive possibly Saturday but latest by Monday. Called Saturday, was assured it would arrive Monday still under review. Called Sunday was told under review and would not arrive Monday. Called Monday spoke to supervisor. Still under review. Could not tell us what it was brewing reviewed for. Could not wire it today to rectify their delay and mismanagement of the process. XXXX could not connect us to review department. XXXX assured us that it would be mailed today. As of this writing at XXXX there has been no email telling me this has been processed. We have no idea why they have not issued our check and have no access to our own money. It has not been earning interest in our account since it has been removed from our account. We have no real assurance of when we will actually receive our own cash.

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 2024-11-04 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: CA

Complaint narrative:
To whom this XXXX concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my XXXX XXXX is substantial. 
Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. 

Could you please supply the following? 

For me to follow up, please include the names and business addresses of all the people you checked the information with. 
The date that you got in touch with each information provider. 
the communication channel that was utilized to confirm the data. 
Additionally, I would like to know if the furnisher gave you my address, XXXX, or XXXX. 

Please send me an updated credit report after you've finished your inquiry and made the required changes.

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 2024-11-04 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: CA

Complaint narrative:
To whom this XXXX concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my XXXX XXXX is substantial. 
Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D.

Could you please supply the following? 

For me to follow up, please include the names and business addresses of all the people you checked the information with. 
The date that you got in touch with each information provider. 
the communication channel that was utilized to confirm the data. 
Additionally, I would like to know if the furnisher gave you my address, XXXX, or XXXX. 

Please send me an updated credit report after you've finished your inquiry and made the required changes.

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 2024-11-04 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: FL

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 :

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 2024-11-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation