vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 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: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 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: EdFinancial Services
State: IL

Complaint narrative:
I am a XXXX  and have been since XX/XX/XXXX. On my credit report Ed Financial my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call Ed Financial and XXXX multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from XXXX don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 2024-02-13 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I received notice from my mortgage service, Mr. Cooper, that the servicing of my home loan would be transferred to XXXX, XXXX effective XX/XX/XXXX. On my bank bill pay app ( XXXX XXXX XXXXXXXX XXXX ), I promptly changed the address to send the payment as outlined in the notification letter. 

Everything was fine until late XXXX, XXXX when I received a letter from XXXX, XXXX that my XXXX payment was late and they were charging me a late fee in the amount of {$110.00}. I called XXXX on XX/XX/XXXX to complain about the late charge, and was told that the late charge would be waived. The XXXX on the phone, 'XXXX XXXX, tried to convince me to establish direct auto-pay with my bank, which I declined. Nothing was mentioned in the phone call about processing issues at XXXX. 

I've had this mortgage since XXXX, thru various servicers, and have consistently sent payment from my bank to arrive between the XXXX and the XXXX of the month. My XXXX  score is XXXX and I've no recollection of ever having a late mortgage payment. 

XXXX then charged me a late fee for the XXXX payment {$100.00}, which is still active. In late XXXX, XXXX sent me correspondence that I was entering the wrong account number on my check payments. 

My complaint is the complete lack of communication regarding an account number change from either the previous servicer ( Mr. Cooper ) or XXXX XXXX, XXXX until after XXXX late charges were posted, with XXXX still in effect. I have correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no mention of an account number issue being conveyed. 

Note the similarities in the account numbers from Mr. Cooper and XXXX XXXX : MR Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first XXXX numbers and last XXXX numbers of the dual XXXX number accounts are identical. Without notification of the account number change, it is dubious for the servicer to expect the slight change to be noticed, and I continue to dispute the late charge XXXX is trying to assess. Note that I changed the account number on my bank XXXX XXXX as soon as I was notified by XXXX XXXX that the account number on the checks was incorrect. 

Additionally, the table below shows when my financial institution ( XXXX XXXX XXXX XXXX  ) reflects delivery of the payments, and the date in which they were cashed starting in XX/XX/XXXX and as recent as today, XXXX XXXX : Bank record - Arrival Date Bank record - Debit Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Note that in good faith, I have been accelerating arrival dates due to the slow processing by XXXX XXXX. 

For reference, I've also submitted a complaint with the State of MN Attorney General 's office, RE : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! 
They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 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 2024-02-13 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: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: MO

Complaint narrative:
Marked as duplicate IS A LIE EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I sent a letter via certified mail to BERLIN WHEELER INC on XX/XX/2024 asking them to provide complete validation and proof of the debt with documentation and they did not reply. This is now over 30 days ago.

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 2024-02-13 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: KY

Complaint narrative:
i recently reviewed a copy of my credit report, and noticed fradulant accounts on my report. Please remove these accounts they are not mine, and hurting 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! 
They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 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 2024-02-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-13 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-13 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: TX

Complaint narrative:
Experian please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within thirty days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX Remove this account from my credit report due to it being over XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the XXXX data breach. XXXX Account XXXX : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.

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 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called to closed my credit card account and pay off the balance on the card which I did successfully. However, Company later charged me a XXXX $ finance charge after the account was closed and paid off and started collecting late fees for non-payment. Given that the account was paid off and closed it was not monitored for additional payment. I believe this is a case of abuse and need to be investigated. It impacted my credit for XXXX non payment all because of a {$2.00} late fees inputted after the account is paid off and closed. 

This is done by Comenity Bank through a credit card with Children place

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 2024-02-13 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

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 2024-02-13 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 reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We closed on a mortgage with a prepaid escrow account that was well over-funded. The servicing was transferred to SPServicing before our first payment was even due. I realized our escrow was over-funded and requested an escrow review. They did the review to find the same conclusion and said a check would be mailed. They claimed the check was mailed XXXX  via regular mail but has not been mailed ( and verified by them ) and today is XXXX They claimed property taxes were paid XX/XX/XXXX but were never paid. I paid them myself so as not to be late. As of today, they claim they are talking to escrow to get the money but they already told me the check was cut but not voided ... and just needed to be mailed. I requested XXXX as the check is for XXXX XXXX  I have been on the phone with them over 6 times since XXXX XXXX XXXX  trying to get this resolved. The escrow account no longer shows the overage and is correct, but the check is still not in my possession over a month since they said it was mailed. I have lost opportunity to use that money for investment, interest gain, and life ; not to mention it is not theirs to keep. The taxes, had I not known, would be delinquent causing fees and interest to be paid and a lien if we never did anything about it. They rarely let me talk to anyone other than the rep that answers the phone. I'm not sure if this is illegal but feels like it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
XXXX day I get an alert from my transunion credit report that my score dropped over XXXX points. I log in to my account and noticed an account reporting as a collection account I never heard of so I called the number to find out Its an online shopping company. The lady didnt have any good reason for placing the account under my report other than its your account sir and we know it so its not going to be removed unless you pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records. Your company is using identity theft to gain access to personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent the collections company LVNV/ Resurgent Capital Services , a dispute letter via email responding to them for continuously emailing me regarding this matter to stop. Then had to mail a dispute letter requesting for them to both stop emailing me along with mailing me regarding this. In which the emails were bait to invite them to start mailing me because the first letter they sent tried to say I had inquired about the debt when I had not. Also they have sent me several letters with the same one statement that looks altered, with no account number on the letter, and an account number the said original creditor XXXX XXXXXXXX XXXX doesn't even have on file. I mailed the Collection company disputing this one credit card statement requesting them to send me the original agreement with my signature, a full break down of amount owed from the previous months to the current date of the statement sent. And all they have sent back was that one same credit card statement along with a small account summary report typed up and made by them Resurgent Capital Services on behalf on LVNV funding that has no itemized break down of charges, fees, dates etc. So I am requesting for this company to stop contacting me regarding this along with to stop trying to collect or even to try and sell this debt to another collections company to harass me like this company has been doing.

Company response to consumer: Closed with explanation