vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX of XXXX  we placed our house in a Trust. At That time XXXX XXXX XXXX  XXXX, our mortgage company placed the loan documents/house in the trust. When we refinanced the loan to XXXX XXXX we forgot to place Loan documents/House in the trust. After that the loan was acquired by Mr. Cooper ( loan # XXXX ). I have been working with Mr. Cooper Since XXXX to get the loan/House placed back into the trust. Over 25 communications!! I have sent all 52 pages of our trust and our tax bill which indicated its in the trust. They keep sending me form letters or calling saying they need all the pages of the trust. We have sent them our complete Trust. The same Trust that got the House in the trust in XXXX. I though we were getting things done, until last friday when i got a call from a guy named XXXX at Mr. Coopers who told me " they needed all the papers from the Trust ''. They never ask for anything specific. Attached you'll find, Form Letters, History, Tax doc showing House in Trust and loan info. Thanks for your help. If you need anything else, Please let me know, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Last week I sent XXXX a letter asking for the support of the FCRA 605B law. I sent an Identity Theft Report and Police Reports to the credit reporting agency.

They have five days to remove the identity theft trade line from the credit reporting system. 

I had to wait 30 days for the credit report to advise me that they would not be removing the identity theft accounts and the massive amount of fraudulent inquiries. 

I had to go to the lawyer for counsel for this matter because I have to sue for damages pain and suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: AL

Complaint narrative:
Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, Transunion, XXXX, XXXX XXXX, XXXX  and XXXX  regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.

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 2024-04-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, XXXX, Experian, XXXX XXXX, Uplift, and Affirm regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled.

*A copy of my Identity Theft Report and proof of my identity.

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I transferred {$300.00} from my XXXX XXXX XXXXXXXX checking account directly to my Credit Karma savings account and Credit Karma held the money according to them from the XXXX to the fourth with funds being available on the fifth. It was a direct transfer and on the website when you login it shows the money is in my account but it doesnt allow me to transfer it or take it out or use it at all. I used the chat system that they have for support twice both times I requested to be transferred to supervisor both times I was told the supervisor were contacting. Neither time did anybody And I was also told that there was absolutely nothing that they could do about it and if I wanted to close my Credit Karma account and I would have to wait upwards of 10 days to two weeks in order to receive my funds back I said that was unacceptable. This is a bank transfer. I did not. Deposit check This is a fund transfer. I said I wanted it released. I wanted to speak to a supervisor that this was unacceptable to hold funds. They were already posted to my account and available and they were rude and I feel like theyre holding money earning interest off of other peoples money, whenever the money is already there, and not allowing people access to their money or allowing anybody to talk to anybody Chick thats not a customer service person that isnt rude and basically says theres nothing they can do about it thats not their policy they dont care well I never signed anything that said that I agreed with that or that that was OK and no worries it posted anywhere to my knowledge that Ive seen that it says they hold money for seven days and I feel like theyre being fraudulent by taking deposits, holding it in an account somewhere collecting interest off of other peoples money to make money while XXXX, American citizens arent able to get access to their homes when the funds are there, they dont let people get access to their funds. They hold them hostage its not right its completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
On XX/XX/2024 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.

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 2024-04-01 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong 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 2024-04-01 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.

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 2024-04-01 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.

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 2024-04-01 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased items totaling {$2500.00} from XXXXXXXX XXXX in XX/XX/XXXX, believing I had a XXXX interest-free period based on the seller 's assurance. However, it was actually an XXXX period. Despite making consistent payments to Synchrony Financial/Bank , I discovered in XX/XX/XXXX that I was charged over {$870.00} in interest on a balance of less than {$250.00}. This was without any prior notification or explanation. When I inquired, I was informed that since I hadn't paid in full by 18 months, I was being charged interest on the entire amount, not just the remaining balance. 

Neither the sales representative nor Synchrony adequately communicated this condition. Despite my attempts to resolve the issue, including speaking with a supervisor named XXXX XXXX, I encountered unhelpful and misleading responses. Requests for documentation were denied, and it seems the company is not transparent about its practices. This lack of clarity amounts to consumer fraud.

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 2024-04-01 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns 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 2024-04-01 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 ] Transaunion : [ XXXX XXXXXXXX ] [ 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 2024-04-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX 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 Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
On XX/XX/2024 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation