vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, 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:
The following ( TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 



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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The reporting Agency keeps allowing XXXX account put old delted accounts back on my report over and over. After i was found inncocent. these companies was deleted before and now they back on several times. please stop letting these companies abuse me because they was deleted over the last few years many times. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXXXXXX 6.XXXX XXXX XXXX 7.XXXX XXXXXXXX XXXX XXXX These accounts was open by Fraud when i was out of the country , and the CFPB helped get them removed and the Attorney General Office. and you guys let these companies put it back on over and over and over. its been years. How about helping me and stop allowing these place to try to Con and scam me into paying debts i did not do. Remove them again please.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America 's Attorney XXXX XXXX of XXXX XXXX XXXX XXXX. 

1. XXXX XXXX Bank of America sent a sheriff to my home and place of work. To serve me a lawsuit in front of a client family and all the people in my neighborhood who were outside at the time. This is a form of harassment pursuant to 1006.14 ( a ).

2. By sending the sheriff to my home they falsely implied I was a criminal 1006.18 ( b ) ( 1 ) ( iv ).

3. By sending the sheriff to my home and place of work they were falsely implying that they were vouched for, bonded by or affiliated with the United States by the sheriff to serve me. This is a violation pursuant to 1006.18 ( b ) ( 1 ) ( i ).

4. They contacted me at an inconvenient time while I was working at my home to serve me for a lawsuit pursuant to 1006.6 ( b ) ( 3 ) and 1006.6 ( b ) ( 1 ).

5. I the consumer never gave them consent to initiate a lawsuit against me pursuant to 1006.30 ( d ) ( 3 ).

6.The debt collector ( XXXX XXXX XXXX and XXXX XXXX XXXX ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

7. And again the debt collector ( XXXX XXXX XXXX XXXX and XXXX XXXX. ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

8.When I sent the debt collector a request for validation on XX/XX/2021 they did not respond within the 5 days stated pursuant to 1006.42 ( i ) ( b ). They did not respond until XX/XX/2021. 

9. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos on their letters which is goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 

10. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos again on their letters which goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 
.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been over 30 days, and I havent received any investigation reports.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, 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:
I feel Abused By Equifax because they dont care for me as a person. I was a victim of Idenity theft a few years now and its several accounts that was removed with the help of the CFPD and the Attorney General office. it took hundreds of clock hours and teaars to fix. Equifax has allowed these companies to re put these fraud accounts back on my report. they wont even question them ask them for real documents and proof. they have been deleted before several times. please stop letting them do this to me every 8 months to a year. Please remove this again 1. XXXX XXXX  2. XXXX 3XXXX 4XXXX XXXX  XXXX  5 . XXXX XXXX 6XXXX XXXX  7 XXXX XXXX XXXX 8XXXX 9.XXXX  XXXX XXXX  10. XXXX  ALL OF THESE WAS FOUND TO BE FRAUD XXXX  TIMES AND REMOVED XXXX  TIMES AND IS NOW BACK ON OR EVEN SOLD TO OTHER COLLECTIONS AGENCY. you guys should help and protect me from this happening. I dont owe these people and i was out of the country for years and when i came home it was these things. it was fixed and deleted i thought i was ok but i see i am not because now they all back for the XXXX time. Please delete those things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022, but they were attached to the complaint. That complaint was mainly for XXXX Bank. They responded to the complaint on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank XXXX XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
NORDSTROM/TD BANK USA is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( NORDSTROM/TD BANK USA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/XXXX XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( SYNCB/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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
Hi, I contacted National Credit Management in regards to my debt on my credit report. I havent heard or seen anything so I was in total shock. I wanted to resolve this as soon as possible. I called NCM tonight at XXXX PM and spoke with XXXX. She couldnt hear me, as I explain my concerns when she answered. So she hung up. I then called back and she answered. She disclosed debt information prior to verifying any information. She stated the mini Miranda but only this is an attempt to collect a debt Being a previous debt collector I know as a third party collector they have to say this is an attempt to collect a debt and any information obtained with be used for that purpose, this communication is from a debt collector. She did not state that at all. I want this completely removed from my credit and waived. She violated FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: SC

Complaint narrative:
In XXXX of XXXX my ( then husband ) told me that we were moving and needed my ID and SSN emailed to a lady. He said he took care of everything and I was not on the lease, they just wanted to know who would be living there to run a background check. He kicked me out 3-4 months later in XXXX of XXXX and said it was his house because I wasnt on the lease. Later in XXXX, around XXXX, I received a debt collection from XXXX XXXX XXXX in XXXX XXXX stating that I owe {$3700.00} because he defaulted. I contacted the company and was told that I signed the lease. No one was trying to listen to me or help me. It was during Covid so I couldnt visit their office. After going back and forth with the collection company, Financial Data Systems and the rental company, I was getting the run around and was told that I signed the lease. When I FINALLY received a copy of the lease, emailed to me, MY SIGNAUTURE NOR INITIALS were anywhere to be found. All places where a second person would have signed or initialed were blank. Only my ex husbands signature and initials were on the document. This collection has caused me to be denied rentals to live and has caused a high negative impact on my credit. I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
XX/XX/XXXX- Rocket Mortgage ( RM ) effectively doubled our supposed tax liability, began collecting from us accordingly & did not respond to my request for explanation. 
XX/XX/XXXX - Through my own research I determined RM had attributed a parcel to us that was not deeded to, billed to, mailed to, or paid by us. The bill for that parcel was roughly {$18.00} annually, but RM used it to nearly double our approximate tax bill of {$6400.00}. I provided documentation & a complete explanation of my findings to RM. 
XX/XX/XXXX - I learned RM had paid the aforementioned misapplied tax bill ( which, again, was in no way affiliated with us ) from our escrow account. It had not, in fact, been removed from our escrow account THREE MONTHS PRIOR despite the documentation and information I provided. I reached out to RM again & was told the misapplied parcel had been removed, but somehow reassigned to our account. 
XX/XX/XXXX - I finally received confirmation the misapplied parcel had been removed from our escrow analysis with no explanation as to how it was applied in the first place FIVE MONTHS PRIOR. 
XX/XX/XXXX - I received an unexpected large escrow refund from RM, logged in to my countys property tax website and found RM had FAILED TO PAY the taxes due XX/XX/XXXX. I was later told that the due date of our annual property tax bill had been entered as the MATURITY DATE OF THE LOAN. 
XX/XX/XXXX - RM made payment of our delinquent tax bill, but failed to pay the entirety of the late penalties assessed. 
XX/XX/XXXX - I emailed yet another copy of the tax bill & late payment penalty policy to RM & requested the remaining penalty be paid. 
XX/XX/XXXX - The balance of the late payment penalty REMAINS UNPAID and our tax bill continues to show a past due amount, attributed solely to RMs negligence in managing our escrow account. 
Dating back to XX/XX/XXXX, I have repeatedly requested contact from representatives within the tax and/or escrow departments and begged for someone in leadership to take notice and ownership of these repeated debacles. I was never granted any of these requests, always being told no one in those departments is customer facing. My single point of contact over the last 15 months has been professional and apologetic, but only able to assist to the extent RM allowed him, which appears to have been limited to simply forwarding my emails to others and waiting for an eventual ( if any ) response. The amount of time & effort I have had to expend personally researching, identifying, documenting & requesting correction of multiple RM errors and the refusal of anyone within the company to address or take ownership is inexcusable. The likelihood that mistakes like these are happening throughout the organization to unsuspecting borrowers is great and should be of huge concern to all.

Company response to consumer: Closed with explanation