vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I sold my property at XXXX XXXX XXXX XXXX in XXXX, MI on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX reportedly completed a wire transfer on XX/XX/2023 to pay off the mortgage. The wire transfer was completed with proof sent to me. Freedom Mortgage continued to charge me for an XXXX payment on XX/XX/2023. I then contacted and inquired why this happened as the mortgage should be paid off. After countless phone calls, Freedom Mortgage was able to confirm the mortgage was not paid off and XXXX XXXX XXXX was then contacted. After weeks of " looking into it '' and XXXX XXXX XXXX advising not to make further payments, it was determined that a mistake of some sort was made and the mortgage was not paid off correctly. XXXX XXXX XXXX then resubmitted another wire payoff and Freedom Mortgage confirmed the loan paid off as of XX/XX/2023. As a result of not making additional payments to the mortgage, my XXXX credit score has dropped XXXX points due to a single missed payment reported to the credit bureau.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion.com wont load my credit report, disputes, or anything else passed home screen after logging in. I can only view my score through XXXX XXXX. TransUnion is giving a lower score to potential lenders than the other two by XXXX points and I cant do anything about it. Called and spoke to their customer support several times over the last XXXX weeks and nothing has been rectified. They are sharing my information without consent at this point, and I cant dispute the information, nor see my report directly violating my consumer rights.

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 2023-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
The property was sold on XX/XX/2023. They were paid the final closing amount and the property sell was recorded at the register of XXXX  office by attorney XXXX XXXX in XXXX, NC. XXXX XXXX continues to send me debt collection information. I have informed them the property was sold on XX/XX/2023 and they were paid in full. The sell of the property was recorded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and select Portfolio was sent the closing payment. However, they still have not updated their records and I am now getting letters from XXXX XXXX XXXX, PA stating I owe them {$82000.00} for the mortgage of the property. Select Portfolio has been sent the final paperwork proving the sell of the property along with the final payment to pay off the mortgage XX/XX/2023. However, they are refusing to close out the mortgage debt and sending it to an attorney for additional fees and debt collection. I am completely fed up with them because once again they refuse to handle the account properly. Select Portfolio should lose their right to hold mortgage loans. They are absolutely horrible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 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 XXXXXXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 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 investigate the completeness and accuracy of every piece of information If its not accurate, please remove it 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 2023-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired. 

XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report. 

We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol. 

They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt. 

I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified. 

When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report. 

Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to. 

I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: IL

Complaint narrative:
On XX/XX/2023, I received notification by my credit monitoring service with XXXX that an alleged debt by this agency decreased my score.

I was not notified by this company regarding any debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. no action has been taken. looking at all data listed ive noticed all information submitted is reporting illegal an fraudulent information. please review an remove the information listed to help clear my credit report asap.

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 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: MO

Complaint narrative:
Hello, Bay Area Credit Service violated, " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' and placed a debt I have no knowledge of on my credit report. I received notice today via a credit alert asking if I was aware of this debt. I am not, nor was I properly notified. The amount stated is {$560.00} and no actions were taken by the company. 

I am asking that this collection is removed as it did not follow collection rules.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved an no action has been taking upon my recent disputes. ive noticed all data listed is reporting illegal an fraudulent information that is hindering my credit report. please review an remove the data listed to help clear my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
Inquiries on credit report that I am unaware of or did not approve. I submitted my report Identitytheft.gov.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
found out XXXX, Trans Union and XXXX are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
found out XXXX, XXXX XXXX and Equifax are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
found out Experian, XXXX XXXX and XXXX are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three Consumer Reporting Agencies. XXXX has already removed these accounts. See CFPB complaint attached.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an offer online for a settlement to close my AMEX account. The balance was approximately XXXX and agreed to pay XXXX for settlement. I had the payment scheduled and it was deducted from my account. I even sent an email prior to the payment scheduled day to confirm it was for settlement of my account after the payment was deducted they did not close the account or take it as a settlement. They used it as a regular payment and also took a {$300.00} balance that I had an associated send account and applied it to my balance after review down and payment was taken for {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
DELETE XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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