vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
I recently reviewed my credit report and found that there were numerous pieces of inaccurate information which is very upsetting to me. These errors are affecting my ability to get a car which in turn is affecting my ability to get to work. I am on the brink of being fired and I need these errors corrected immediately. This is a flagrant violation of my rights and insist you remove these inaccuracies from my report at once.

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 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My info was stollen and used to rent a reffrigarator

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage sent me a bill for increased escrow charges, gave me the option to pay shortage or raise payment, I sent them a check for escrow shortfall, they did not credit it and raised my bill. after contacting them three times they fixed escrow lance and then charged me a late charge because they billed me for the higher monthly rate. I made my normal payment on time but they still show my bill unpaid on line. 

I pay through Bankers bill pay portal and I have two years of records of onetime payment to prove it. This firm is quite predatory and does everything it can to XXXX up payments!

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: PA

Complaint narrative:
I have been applying for credit cards but I am being told that my score can not be computed because I have no fico score, but around 2022 I did have a fine score., now I can not apply for credit due to this fact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my credit score over XXXX points on all 3 credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company has reported erroneously to the credit bureaus that I was late back in XX/XX/2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The company has reported erroneously to the credit bureaus that I was late back in XXXX of 2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company has reported erroneously to the credit bureaus that I was late back in XXXX of 2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.

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 2023-12-20 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: GA

Complaint narrative:
.its impossible that all 3 of them ( equifax XXXX XXXX XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within equifax , XXXX and XXXX XXXX  or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.its impossible that all 3 of them ( XXXX , experian, XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within XXXX , experian, and XXXX XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I requested PMI removal from my mortgage servicer newrez LLC. 

The company has been dragging their feet refusing to give me true updates. I have waited weeks for them to drop my PMI as my loan to value is below 80 %. 

I have contacted the company multiple times and spoke with a supervisor who said the due date for the notification in regards to PMI removal was XX/XX/. The supervisor also said they would give me a call back which never happened. I have reached out to customer service and keep being told they are working on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

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 to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$20000.00} 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX  a payment was made from my checking account to a credit card that was not mine. My ex-husband and I have similar logins and somehow he was able to make that payment off my checking account. That issue has been resolved as he can no longer see my information on his login. 
I discovered the charge on XX/XX/XXXX ... a Sunday. I called US bank on Monday XX/XX/XXXX to figure out what happened. They apologized and said they would reverse the charge. I verified with my ex-husband that it was indeed his credit card payment that was made off my checking account. I have continually been in contact with US Bank and the local manager that keeps telling me the " back office '' is working on it. I spoke to him just this morning letting him know that it's now been a month since the payment came out of my account and since they still have not reversed the transaction I would be filing a complaint with CFPB. I have called them no less than 1 to 2 times per week and keep getting put off.

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was in the XXXX airport, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying XXXX {$250.00}, I would receive XXXX XXXX XXXX XXXX as long as I spent XXXX {$3000.00} in less than XXXX months. 

I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. 

I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent XXXX {$6100.00} until XXXX and paid the annual fee in my first payment. 

When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. 

Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. 

I would appreciate your help as Amex can solve this matter they created. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Charles Schwab put a restriction on all our accounts ( XXXX ) including our Debit card that we use to withdraw cash from ATMs when we are traveling overseas. I have talked for over XXXX hours with several of their minions and exchanged several secure messages on the Schwab website. They claim the Patriot Act requires them to do this because they do not believe our official US address is correct. The Patriot Act expired in 2019 and is no longer in force. I have been a Schwab client for nearly 30 years with no problems. We recently changed our US address and this is why Schwab claims the restriction was placed. It means we can not use our Schwab XXXX debit cards to withdraw funds from ATMs worldwide. It also means we can not take our XXXX  ( but I was able to do that before this mess started ) and we can not make any withdrawals or trades in our IRAs or joint brokerage account. We are currently on tour in XXXX and XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, 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 2023-12-20 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: NJ

Complaint narrative:
I am writing to follow up on my dispute regarding the hard inquiries on my credit report that were conducted without my explicit consent. After a thorough review of my credit file, I discovered two unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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 am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX. 
XXXX. This account is not accurate. Please delete it. XXXX XXXX CO XXXX. This account is not accurate. Please delete it. XXXX XXXX BANK XXXX. This account is not accurate. Please delete it According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: MD

Complaint narrative:
In 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2023-12-20 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: MD

Complaint narrative:
In 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Filed a Identity report with the FTC. The person that has my information and has attempted to or have gotten credit issued on the following dates with the said companies. 

1. ) Care credit opened on XX/XX/XXXX. I was XXXX 

XXXX. ) XXXX XXXX opened XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX. I was XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX. ) XXXX XXXX inquiry on XX/XX/XXXX XXXX. ) Synchrony Financial on XX/XX/XXXX XXXX. ) SYNCB/LOWES on XX/XX/XXXX XXXX. ) Care credit on XX/XX/XXXX XXXX. ) XXXX XXXXXXXX on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX on 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 explanation