vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: VA

Complaint narrative:
I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance. 
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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: ID

Complaint narrative:
XX/XX/XXXX I received a call From US Bank letting me know my escrow payments went up {$60.00}. I said that's weird because my property taxes went down {$1000.00} last year and I received the second notice of the reduction today. After talking with Escrow Department they told me they couldn't reduce my payment until they pay my taxes in XXXX. I told them they should have received the notice, same as me. I was told I would get an adjustment some time after XXXX and any overpayments would be sent to me. XX/XX/XXXX I called to see where they were in the process. It was like starting from scratch. I told them I wanted to cancel my escrow account and pay my taxes & insurance myself. I was told it would cost me {$900.00} to cancel. I told them that was not in my mortgage contract. I went with escrow for convenience. This is less than convenient. I explained when I opted for escrow I was told I could cancel at any time, no charge! I told her I signed with another lender and US Bank bought the loan. I asked for adjustments until we figure that out. I called again XX/XX/XXXX. I called and asked to talk to a supervisor. I told the supervisor the issue with the {$900.00} and asked what it was for. She said it's for managing my account. I said no one is managing my account as my taxes were overpaid by {$570.00}. She asked me if anyone told me I could pay the {$900.00} out of my overpayments. I said that's my money. I don't want to pay you for anything. She agreed they overpaid my taxes. Now my balance is positive by {$1800.00}, if I get my tax overpayment back. One more escrow payment and I can pay my XXXX taxes a year early. I asked why nothing has been done to adjust my payments after 2 calls. She said she didn't know. Remember, I'm talking to a supervisor! She said her boss would call me at noon XX/XX/XXXX. No call came in. If you want to get ripped off have US Bank manage your money and then tell you they want {$900.00} for service they don't provide so you can manage it more accurately, without the hassle.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This goes back a few years but it remains fresh on my mind and I just discovered that the CFPB may be of assistance. Brief summary : 1. On XX/XX/XXXX I purchased an Apple computer  at the Apple store for {$2000.00} 2. I signed up for 12 mo. interest free payment program 3. I had done this in the past and communicated to the store clerk to utilize my XXXX XXXX XXXX address to processas I had done in the past. 
4. What I usually do is wait for an email from the credit card company ( in this case Goldman Sachs for the AppleCard ), then go on their site to set up automatic payments 5. I also have an apple ID linked to another email XXXX XXXX. This email address is seldom used or checked by memaybe twice yearly. 
6. All statements and communication from Goldman Sachs AppleCard were going to the incorrect email account, XXXX instead of XXXX. 
7. It was not until I checked my XXXX  email address in XXXX of XXXX that I saw statements and communications from Goldman Sachs 8. Goldman Sachs reported by credit card severely delinquent 9. Note that my almost flawless credit score went from the XXXX to less than XXXX almost overnight. 
10. I have no record of phone calls or mail from Goldman Sachs Applecard that drew attention to this issue. 
11. I filed a claim to Goldman Sachs/Apple Card in XXXX  XX/XX/XXXX and another in XXXX. 

I was denied on both claims. I feel very strongly that this delinquency should be removed from my credit report. The issue started with the Apple Store not following my instructions on the email account to utilize. It was compounded by Goldman Sachs not making an attempt to get in contact with me by phone, txt or mail prior to reporting to credit agenciesas you can see, once I was became aware, I corrected the issue and paid the entire amount immediately. 

As mentioned above, up until this problem occurring, I had an extremely strong credit history ( all 3 scores XXXX ) and believe it is unfair to have to live with this for 7 years. 
I was on the phone today for over 1 hour and 15 minutes today trying to get the case # to reference to direct you where to go. This is very much of a maze and I had no luck. There is not even an email address for consumers to communicate in writing with Goldmanonly by phone. The best I can provide is the statements enclosed and to reference the following for your communications with Goldman : Email - XXXX My Phone - XXXX Last 4 of acct # - XXXX Please contact me with any questions. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Caliber Home Loans, Inc.
State: DE

Complaint narrative:
on XX/XX/2023 I sent a sertified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caliber Home Loans, XXXX, asking to set-off a late fee on my properly sent morgage payments, in the same latter I asked not to collect money on erscrow account for insurance and taxes since current ammount paid home equity exeeds 25 % and Caliber Home loans Co is constantly late on my tax payment. 
Up today we have no response from Caliber Home loans and taxes still pass due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-22 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding unfair credit practices. that i have experienced. The actions taken by Ally Financial, have negatively impacted MY consumer report and has VIOLATED.my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I recently obtained a copy of my credit reports.on ( XX/XX/2023 ) and discovered several inaccuracies and discrepancies that are ADVERSELY.affecting MY CREDITWORTHINESS. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit agencies is an affiliate. XXXX, XXXX and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this Alleged Debt. If they can not provide this, then they must update this account on all consumer reporting agencies such as XXXX, XXXX, and XXXX any and all other 3rd party agencies. AS Paid As agreed. Further more,. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2023 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to update this account to paid as agreed, on my consumer reporting a.k.a credit reports.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called XXXX, XXXX, and Transunion to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called XXXX, Equifax, and XXXX to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have reached out regarding my account and whether or not I still owed money. I was saw on the website that my account was marked complete so I disputed the amount shown on my credit score to have it categorized as closed account. It came back that I owed money from transunion so I called them and the representative verified that I didn't owe anything. I disputed again, same result. So I called and they told me that the account still owed and that they sold it. When I requested information on who it went to over several different phone calls I was given wrong numbers and different organizations names. I am fed up with 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: KY

Complaint narrative:
My XXXX loans were transferred from XXXX to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, XXXX XXXX XXXX, XXXX ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX and XXXX are showing my XXXX loan debt so it appears I actually have double the amount of XXXX loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
My student loans were transferred from Aidvantage to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, Department of Education, Aidvantage ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH AIDVANTAGE and XXXX are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with Aidvantage for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank basically has an account under my name. I cant qualify and get an account with them three days ago. The dark web on XXXX XXXX alerted me and they told me that my social has been compromised and that theres a chase account under this persons information and they have their email address and the phone number is the thing. I will also upload that and send it to you so you can do an investigation about this account and get this removed off my name. I really greatly appreciate It

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-22 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-22 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: NY

Complaint narrative:
XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.

Company response to consumer: Closed with explanation