vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to 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 2024-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had reductions in my credit score in back to back bi-weekly reports. I have reached out and inquired what is new on my account ( missed payment, new activity, etc. ). The technician said the latest update to my file was from over 75+ days. No new activity therefore she could not indicate why my credit score was being hit so substantially.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
In XX/XX/XXXX i was awarded a XXXX  award to help pay for XXXX mortgage since losing my job during XXXX. They paid my mortgage up until this past XX/XX/XXXX. Where I was still making payments on my account, Freedom mortgage kept them in another account and applied those payments as they saw fit. It was not towards principal or escrow. The total amount paid from the XXXX was {$12000.00}. I continued making payments until XX/XX/XXXX where I was not able to make that payment due to not making enough with work and just starting a new job. When I made my XXXX payment that should have covered the XXXX payment and thus forward to today, where I should only be one month behind for XXXX. They have locked my account from me being able to make a payment and demands I make three months of payment at once, where I can not nor agree that I should have too. They claim to be short {$2500.00} for escrow which isnt clear, and when I ask they just send me my payment schedule showing paid payments and missed payments even though the missed payments up until recently have all been paid in full. They dont put the payments towards the mortgage on time which then causes me to uncure late payments. I currently cant make a payment because they demand over $ XXXX of payments that I do not owe, I owe two months, but because they locked the amount in the payment tab I am unable to make any kind of payment. They are keeping me from being able to sell my house due this reason because I am unable to secure another mortgage due to the way they are handling my money and making reports to the Credit Bureaus. I cant seem to speak to anyone because I just sit on hold for hours. When I message them in the account I get no clear answers and no help. I need to get out from under this and start fresh and feel that isnt going to happen. I am a single mother, with a single paycheck living, my ex does not help pay anything on the house payment. Please help 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 explanation
Consumer complaint received 2024-02-01 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: GA

Complaint narrative:
Notice of Negligence of Holding Fraudulent Data on my consumer File. I have explained to ( XXXX, Trans Union and XXXX ) That I have Never Received any Loan from XXXX and they have continued to Furnish this Data. Ever Since XXXX Through XX/XX/XXXX theyre furnishing Payment History & ( Account Details ) thats Inaccurate Data since XX/XX/XXXXXXXX  up until XX/XX/XXXX. Remove this Account from my Consumer File Immediately. I Direct the Consumer Financial Protection to Remove this Data at my Discretion

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 2024-02-01 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: GA

Complaint narrative:
Notice of Negligence of Holding Fraudulent Data on my consumer File. I have explained to ( XXXX, XXXX XXXX and Equifax ) That I have Never Received any Loan from XXXX and they have continued to Furnish this Data. Ever Since XXXX Through XX/XX/XXXX theyre furnishing Payment History & ( Account Details ) thats Inaccurate Data since XX/XX/XXXX up until XX/XX/XXXX. Remove this Account from my Consumer File Immediately. I Direct the Consumer Financial Protection to Remove this Data at my Discretion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Sayer Law Group, P.C.
State: NY

Complaint narrative:
On XX/XX/2023 I received mail from a debt collector ( Sayer Law Group, PC ) stating I owe a debt. ( account number XXXX ) from another party ( XXXX XXXX XXXX XXXX ), which is a violation under 15 USC 1692b ( 2 ) and violated 15 USC 1681 ( b ). They infringed on my rights to privacy under federal law. Sayer Law Group, PC were given my information without consent from ( me ), but was given from XXXX XXXX XXXX XXXX. Under 15 USC 1692e Sayer Law Group, PC violated me with false and misleading as far as legal status of debt, falsely implicating and representation of themselves into my privacy, with deceptive forms which a violation of 15 USC 1692j. Also in these deceptive forms, Sayer Law Group, PC are in violation of 15 USC 1692d ( 2 ) used obscene and profane language, by stating the word debt and stating the word owe is obscene and profane language. Sayer Law Group, PC is in violation under 15 USC 1692f ( 8 ) unfair practice by using symbol by their address on envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Received calls from company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX some prior to that but do not have record. 

Claim there is amount owing of approx {$160.00}. for XXXX Informed them billing is wrong, and go back to XXXX and correct it. Nothing is owed ' they just keep calling and threaten me with further action. I told them months ago to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Sunday XX/XX/2024 I used my ATM card at a Bank of America ATM machine in a XXXXXXXX XXXX parking lot on XXXX XXXX in XXXX NC. I heard the money counting but the machine never opened for me to retrieve my requested {$200.00}. My bank account was withdrawn by the {$200.00} but I did not receive it. I called immediately from the location and watched as other cars approached to be sure they were not given my funds. A representative over the phone assisted by opening a claim as I sat in the parking lot for 40 minutes. That was Sunday and now it is Thursday and I still do not have my money. This is becoming too much of a common place with Bank of America. I constantly have to fight to get my money returned. I have been banking here for over 20 years! My paychecks are direct deposited. Why is this so difficult and takes so long? Fix 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 monetary relief
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Opened XX/XX/year> allegedly owe : XXXX  I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.

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 2024-02-01 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: GA

Complaint narrative:
On XX/XX/XXXX I received a HARD inquiry on my report from XXXX XXXX. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for XXXX XXXX XXXX to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2018 claiming I owe {$2400.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well asl to Midland Funding for verification of this debt. I do not owe debt to Midland Funding and have not received notice and verification of this debt, please have this removed from all 3 of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-01 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: PA

Complaint narrative:
There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXXXXXX  that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 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: TN

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-02-01 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: SC

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Is Bank of America South Carolina unemployment card I had a roommate who filed and got it in my name and among trying to straighten it out they sent me a card in my name however she was my roommate and while I was out of town she checked my mailbox and she got the cards again she kept canceling the cards and ordering cards because she knew all my information so she could be me at any time no matter how many times I stopped the card I've made police reports on it she paid her phone bill with the card there's proof that she had all these guards make of america has denied half of my claims and then they approved the other claims they approved one card And then a deny one charge and then approve another charge on the same card and I have sent them reports I have sent them everything I've had trying to explain to them she was my roommate they told me That I gave her permission to use the card I never gave her permission they said I got it out my mailbox I did not get it out my mailbox she did I've been going back and forth with this 43 years now XXXX XXXX is my name

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 2024-02-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I can not get through to Mohela to get help. I have been left on hold for an hour and then disconnected Mohela put my loan on TEPSLF which is not eligible for PSLF because it is a Parent Plus loans. This is not right. Please know that they are taking advantage of loop holes to make money. They also sent a notice saying they were going to apply a payment to the future due and instead applied the amount to principle with no notice. Had I known that I would have made payments but since no effort was made to inform me I missed out on a chance to make a qualifying payment. Also, they are requesting employment verification for PSLF each month instead of once a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2024-02-01 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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