vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXXParamount Mortgage did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: OH

Complaint narrative:
I reviewed my credit report on XX/XX/2023 from Experian and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has been happening to my Experian account recently. I was extorted into paying a debt that wasn't mine with the help of Experian, which never investigated nor verified if the account belonged to me, yet it was allowed to exist fraudulently on my credit report. I am giving notice that I am disputing the validity of this alleged debt.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax have an internal block onnmy credit report, andnis not letting any lender to obtein my credit report. All this happened without my consent, I have been for XXXX months tryng to solve this, they asked me to send my copybof driver license and social security by mail, i have sent it 4 times and they take weeks to answer and keep telling me that they cant read my driver license, i have sent everytime perfect copies of the driver license all of them new ones and they keep telling me the same a week or 10 days later. Inwas applyng for a business loan and credit card and havent been able for XXXX months because of this. Asked them if I can upload or send by fax, explained thats perfect copies and they keep telling me that I have to send them again by mail, even when eveytime I call they verified me on the phone. I need to resolve this, that like I said they decided to put that internal block without even notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
i never applied for a loan or anything with this company

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 2023-11-15 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: NY

Complaint narrative:
i never applied for a loan or anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
i never applied for a loan or anything with this company

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 2023-11-15 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: MD

Complaint narrative:
I started disputing this incorrect information for over a year now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I started disputing this incorrect information for over a year now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
The beginning of XX/XX/XXXX, I noticed that my mortgage payments were higher than they should be ( {$500.00} more ). Upon investigation, I realized that Freedom Mortgage created an escrow account and was taking out approximately {$500.00} per month to supposedly pay my homeowners insurance and property taxes, which I directly pay to the institutions. I wrote to Freedom Mortgage on XX/XX/XXXX requesting that they immediately remove escrow from my account and refund the total amount I had been billed for escrow since XX/XX/XXXX. I have never authorized or needed escrow because I have always, from the inception of my mortgage, paid homeowners insurance and property taxes directly to those institutions. 

I have received a written response dated XX/XX/XXXX which stated that my request was denied due to not meeting the XXXX criteria. I reviewed each criteria and have always and currently meet each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
I am a VICTIM of Identity Theft. I submitted a FRAUD CLAIM to the credit bureau ( s ) to have the items removed from my credit. report. After confirming the fraudulent charges with he companies, after the accounts were verified and CLOSED, However, EXPERIAN still reports the account ( s ) as open which causes a major impact on my credit report and scores. I sent Experian, XXXX and XXXX a copy of the FCRA - 15 U.S. Code 1681 ( c ) ( 1 ) ( a ) ( b ) ( I ) ( XXXX ), to have ALL the reported items removed IMMEDIATELY.

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 2023-11-15 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: TX

Complaint narrative:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

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 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I requested a 6 mos temp mort. home loan modification while awaiting XXXX benefits. I did not request a refinance from the Newrez mort. Co. I had 9 years left on a 30 yr mort. Newrez discarded my 21 yrs of equity paid and created another 30 yr mort loan. I have called Newrez for assistance with this matter to no avail. I am paying 60 yrs on a mort. that was 30 yrs with only 9 yrs left to pay it off at the time. I am paying PMI all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a countrywide home loan. After several years of not paying wind insurance, they sold the loan to Bank of America. Bank of America added over {$14000.00} to my mortgage for bank-placed wind insurance when it was not required. I also got behind and used a program twice to get me back in good standing but they would always find excuses as to why they wouldn't accept payments. So they wouldn't accept them, and kept adding late fees. Eventually the loan was sold to XXXXXXXX XXXX. and when I sold my house ( did not foreclose ) for {$600000.00} I actually had to come up with money to close when my mortgage was originally {$300000.00}. They took advantage every way they could to rack up the bill. I was in the house for about 15 years.

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 2023-11-15 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER CONSUMER USA, Account # XXXX Is reporting inaccurate information on my credit report, FCRA Law states Furnisher 's must report accurate information with all credit bureaus. Please remove or delete account INACCURACIES 1.BALANCE 2.LAST PAYMENT REPORTED 3.LAST DATE ACTIVE 4.PAYMENT STATUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2023 I requested proof of public record. Equifaxing provide proof that XXXX is reporting a bankruptcy for me. I am attaching a letter from XXXX XXXX showing proof that the bankruptcy was removed because they couldn't verify the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: AZ

Complaint narrative:
on XX/XX/2023 I sent a dispute to experian regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.

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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just received a letter from The Federal Reserve Bank XXXX New York as per attached, requesting that I pay {$6100.00} dollars in order to update my ACH validator since my account at Citibank has been dormant for a long time. 

I have also attached XXXX Letters of XXXX I received from Citibank, guaranteeing me that the funds would be transferred without further expense, but the bank is not honoring their written guarantee. 

My attorney has met with Citibank 's XXXX department and stated that they deduct the Federal Reserve charges from the funds they are holding on my behalf or advance a loan to me for the charges, using my funds as collateral. 

Our next step will be to file a lawsuit against Citibank based on their nonperformance on the attached Letters of 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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: MO

Complaint narrative:
I contacted World Remit ( WR ) in XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that pretended that he was in XXXX XXXX and stole my money in tended for an business transaction. World Remit took the complaint and pretended that they were going to conduct an investigation but did not. I called back several times since XXXX but was unable to speak with anyone even after holding for almost 2 hours each time. It is my belief that they blocked my number to make it difficult to get in-touch with them. I also emailed WR based on their recommendation but again, I am unable to get a response after the initial contact. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/23 I sent a letter To CAP ONE AUTO XXXX XXXX XXXX XXXX, TX XXXX requesting XXXX. Documentation verifying the legitimacy of the charge-off, including details of the original debt and any supporting records. 
XXXX. Proof of any communication or attempts to collect the debt. 
XXXX. Any agreements, contracts, or terms related to the account. 

I have not received any validation of the account. Instead I received voicemails, text messages, and emails regarding a balance on the acct ending in XXXX. 

Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RC Willey
State: CA

Complaint narrative:
I am reporting deceptive business practice with RC Wiley and The collection company XXXX XXXX XXXX. I opened a credit loan with RC Wiley in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with RC Wiley was XXXX. This account was turned over to the collection agency XXXX XXXX on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, XXXX XXXX is reporting the account with a different account number, XXXX, to appear as if its XXXX separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This isnt right I keep disputing this on my credit report when I called into the company they were very rude and Credit companies Keep putting this bill back on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/2023 I sent a dispute to Equifax regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.

Company response to consumer: Closed with non-monetary relief