vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME

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 2024-04-17 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:
I filed for bankruptcy XX/XX/2023 and listed XXXX XXXX as one of my creditors. All of my debt has been XXXX including XXXX XXXX credit card. On my credit report, XXXX XXXX is listed under XXXX under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of XXXX to bankruptcy. This is called double reporting and is a violation. I spoke with credit XXXX and mentioned that this should be removed from my credit profile because its already been listed as XXXX from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about 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 explanation
Consumer complaint received 2024-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 Four unauthorized charges were made without my permission or knowledge. My identity was stolen and the person made the four charges with my debit card information through XXXX XXXX to be transferred to a foreign country. I filed a claim with the bank to let them know that it wasn't done by me or my parents. After a few days the bank sided with the criminals. I'm a XXXX person who makes XXXXXXXX XXXX  a month on social security XXXX. I called the police and filed a report. I called the ftc, I called the FBI. i locked down my credit report, i bought XXXX to monitor my identity and to protect me and my family. My parents are in their XXXX and we share this account. My XXXX is broken that we were exploited and then blamed for something we had nothing to do with. We never gave our information or authorized these fraudulent transactions. We depend on that money for medication and food and utilities. This loss will set us back for awhile. I hope you can help us get our stolen money back.

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Two months ago receive a message with a code and to call the Customer Service to find out the meaning of the Code. First time I was transferred to 'Credit Customer Service ; that couldn't tell me the meaning of the code, to wait for a letter for an explanation. Waited over 10 days, called back similar process but this time they told me that " the new card was not going to be shipped, probably the account was closed.To wait for the letter ''. Waited a few days, sent an email asking what was the problem, no response. Waited a few more days, called back and after being transferred several time somebody told me that the decision to close account was made and there was nothing I could do nor she could tell me why it was closed '' I have had this card for over 30 years, I have reviewed statements back to XX/XX/XXXX and pulled copies of the statements from XX/XX/XXXX to XX/XX/XXXX the account has never been late, payments made on time and most of the time above the Minimum Payments, balances have being paid off several times ahead of time, the card has been used reguland my reward is a cancellation with total silence and ignoring my request to a reason for their action

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 2024-04-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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:
Mr Cooper received the mortgage from XXXX of which my payment was approx XXXX. They immediately raised my payment to XXXX because they put forced place insurance on the house eventhough I have insurance from XXXX for the previous 2 years. I have called them twice over the past 3 months and have gone online a couple of times also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I enrolled in an Experian membership and I would like to cancel. I did not pay a month and have to pay again in order to cancel. This is absolutely stupid and absurd. I need not pay for the " privilege '' to cancel a membership. XXXX Experian.

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 2024-04-17 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: AR

Complaint narrative:
Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer. 

Without a written consent from the consumer. XXXX is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.

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 2024-04-17 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: AR

Complaint narrative:
Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer. 

Without a written consent from the consumer. XXXX is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
I RECENTLY FILE A COMPLAINT WITH BBB STATING THE ORIGNAL CREDITOR CAN NOT PROVIDE ME WITH ORIGANAL CONTRACT THAT HAS MY SIGNATURE. THE COMPANY CANT PROVIDE ME WITH TERMS AND CONDITION SO HOW IS TRANSUNION KEEP REPORTING THIS FRUADULENT ITEM ON MY CREDIT REPORT THAT IS HURTING ME PHYSICALLY AND MENTALLY OBTAIN CREDIT

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 2024-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MY FATHER BOUGHT THE FAMILY HOME IN XXXX. MY FATHER DIED IN XXXX, MY MOM TOOK THIS OUT IN XXXX. MY PROBLEM IS THAT THE COMPANY GAVE ME A REDEMPTION QUOTE OF {$210000.00}. I WAS WORKING WITH THE XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY HELPED ME THROUGH THE PROBATE ISSUE. MY MOM PASSED IN XX/XX/XXXX. 
WE WANT TO KEEP THE FAMILY HOUSE, HOWEVER I REACHED OUT TO THE FORCLOUSURE ATTORNEY FOR THE COMPANY REGARDING MY PROBLEM.

THE BANK APPRAISED THE HOUSE FOR {$120000.00}. WITH THAT DONE NO BANK WILL LOAN ME WHAT THE COMPANY IS ASKING FOR. I ASKED THE ATTORNEY ASSIGNED TO THE CASE XXXX XXXX XXXX XXXX XXXX XXXX IF I COULD PAY THE APPRAISED AMOUNT. THE LAWYER SAID THAT WAS MY ONLY OPTIONS. I WAS SUPPORE TO HAVE THE MONEY BY XX/XX/XXXX. I REACHED OUT TO HUD AND SOMEONE IS SUPPOSE TO CALL ME BACK TODAY OR SEND ME A EMAIL..DO I HAVE ANY OTHER OPTIONS. JUST TRYING TO KEEP OUR FAMILY HOME. MY NAME IS XXXX XXXX, MY EMAIL IS XXXX MY CELL NUMBER IS 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 2024-04-17 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: LA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not 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 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 My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.

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 2024-04-17 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: WA

Complaint narrative:
I reached out to XXXX, Transunion and XXXX and disputed the collections on my credit report. I asked them to remove them and they did not.

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 2024-04-17 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: WA

Complaint narrative:
I reached out to XXXX, XXXX and Equifax and disputed the collections on my credit report. I asked them to remove them and they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account XXXX. is XXXX ( {$20000.00} ) & XXXX XXXX  XXXX Account XXXX. XXXX ( $ XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

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 2024-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX XXXX XXXX XXXX  I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax 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 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: FL

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. 

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 non-monetary relief
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-17 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: AZ

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.

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 non-monetary relief