vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with Equifax and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was acquired by SPS Servicing it was not originally done through them. It was not set up with my property taxes impounded in the mortgage but somehow they added it. I never gave consent to do this and I sent a letter in writing asking for it to be taken off but I never got a response. This has been going on since XXXX of XXXX. My issue is that I pay my property taxes outright and on time. I have never been late or ever missed a payment but my lender pays it too after me and then it is added to my escrow account. ( I will upload an accounting from the City of XXXX XXXX with their actual accounting of my payments and the lender 's payments and when they sent the refunds to the lender, the check number and the address they sent the refund to so you can have that as well. ) However, my account is still impounded and my escrow is still being charged for the property taxes that they paid even though they were refunded. The first time it happened was XXXX of XXXX. I paid my supplemental taxes in late May on time, a week later they paid it. I immediately called and caught the error and called the City of XXXX XXXX to find out if they were refunded. In XXXX of XXXX they were refunded, I got the ch # and the address it was refunded to and I gave it to my lender. I call them every month to pay my mortgage and try to rectify this issue but it never gets amended. In XXXX of XXXX I paid my property taxes again on time and again they send it a payment to the City of XXXX XXXX after me and they were sent a refund for that amount and again I sent them that documentation but I got no response. And again it is now XX/XX/XXXX and it is not reflected on my account and my escrow was still charged again. I do not know what to do at this point. I do not my this to affect my excellent credit and I can not get this company to do anything. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
Ive recently checked my credit report and Ive noticed some inaccurate accounts and misinformation reporting.

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 2024-02-29 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: TX

Complaint narrative:
Ive recently checked my credit report and Ive noticed some inaccurate accounts and misinformation reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX. XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXXL || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
I modified my mortgage through XXXX XXXX XXXX on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX  about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since 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 2024-02-29 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: WI

Complaint narrative:
I modified my mortgage through XXXX XXXX XXXXy on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times  and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
I modified my mortgage through XXXX XXXX  company on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXXXXXX XXXX company, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since 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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased a Hyundai XXXX in XXXX ( XXXX model ). I bought the car and got financed for it in XXXX, California. A year later I moved to Texas and then came back to California in XXXX. I fully paid off the loan in XXXX. I called Hyundai Finance multiple times for the title and they told me that because of the last name change ( due to marriage ) they need my marriage certificate. I faxed it as requested but still never got that title. I called couple more times but did not get anything. Last year ( XXXX ) the car got stolen. I called Hyundai finance again for the title. They sent me a letter saying they have no interest in the vehicle and that its been paid off. It was addressed to Texas DMV. I called Texas DMV and they said the car was purchased in California and is registered in California and they have dont have title for it. I took that letter to a California DMV. The agent at the DMV said they cant issue the title. Hyundai should do it. Called hyundai again. I got another letter, same thing. No title. 
It's been over a year since the car is stolen. I couldn't get my insurance money because of the title issue.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously sent an inquiry about Chase Bank and some issues with my accounts with them although I had banked with them for 25 years. They summarily closed my all accounts and kept all of the funds I had ( about {$8000.00} ) without any notice or explanation. Below is the response which does not explain anything. But Chase Bank kept my money. 

Review the companys response to your complaint. 

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Checking or savings account ISSUE Managing an account To this day I keep receiving emails about " transactions '' regarding accounts that have been closed. Attached hereto is an example. May I please has some answers to my questions? What is going on with my " closed ' account, my Professional Account under " XXXX '', the funds that were in these accounts and these emails I continue to receive??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
I was denied an account with a credit union because of the number of different names attached to my credit report file with Experian. 

Experian has a number of different spellings and variations of my name and one totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
This is an authorized inquiry. 
XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove this from my credit report as soon as possible

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/2024 how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.

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 2024-02-29 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: Grain Technology, Inc.
State: SC

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : Grain technology

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX Balance= {$29000.00} XXXX CitiCards CBNA balance {$6900.00} In accodrance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6.2 states I have the right to privacy. 15 USC 1681 section 6.4a section 2 also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-29 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 note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized 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 explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agent can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. 15 USCS 1681a ( 2 ) ( I ) creditor may not report transactions or experiences.

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 2024-02-29 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:
Inquiries attached on my account are not initiated with me, it doesn't belong on my credit report please remove it as it is a fraudulent inquiries.

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 2024-02-29 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. XXXX, Transunion, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-29 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:
My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. XXXX, XXXX, EQUIFAX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
XXXX XXXX is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2023 Last 4 digit XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I was employed at XXXX XXXX through XXXX of XXXX. At that time, I spoke with Human Resources to discuss the amount of the original sign-on bonus that I was required to repay, and they said that someone would reach back out to me. The original agreement stated that it was a monthly pro-rated amount based upon months worked. I was employed at XXXX XXXX for 15 months and the agreement was based on 18 months. 

I did not hear anything from XXXX XXXX until XX/XX/XXXX regarding bonus repayment. At that time, they sent a letter, with an attachment dated XX/XX/XXXX, that stated the terms of repayment with the prorated amount being < {$2000.00}. I responded the next day on XX/XX/XXXX, agreeing to payback the amount determined and asked for an acceptable time period to repay the amount due. I asked if it was okay if I waited a pay period or two before repayment. I did not hear any response. 

Today, XX/XX/XXXX, I opened a letter from I.C. System Inc. ( debt collector ) attempting to collect $ XXXX on behalf of XXXX XXXX XXXX I called I.C. System Inc. and they were not able to provide any details upon request. The amount on the letter is extremely vague and the representative that answered the phone was vague as well. I have never received any other correspondence from XXXX XXXX indicating any debt owed to them at any point, other than the prorated bonus payback from above, so this seemed very bogus. Furthermore, the letter is dated XX/XX/XXXX, so it was sent before I received any correspondence from XXXX XXXX. 

I need XXXX XXXX to identify the justification for the $ XXXX amount owed. Or I need I.C. System Inc. to provide additional details. What amount was submitted to the debt collector and why? Was this related to the bonus repayment? I have not received any correspondence or justification from XXXX XXXX to this point regarding this amount.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Sent the company a copy of Police Report and Identity Theft Report. They sent a letter saying they decline acceptance of it. 

Due to I obtained goods or services, called them and they didn't have a proper reply. 

File number 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 2024-02-29 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:
Inquiries attached on my account are not initiated with me, it doesn't belong on my credit report please remove it as it is a fraudulent inquiries.

Company response to consumer: Closed with explanation