vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a XXXX XXXX credit card under my name with an outstanding balance of over {$3000.00}. I called XXXX XXXX to request information about the account and they gave me no information. I started a fraud investigation with XXXX  XXXX and they closed the account. I also added a fraud alert to my credit report and filed a police report. XXXX XXXXXXXX denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. XXXX XXXX then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via Experian. This account is fraudulent, I did not apply for or authorize the account.

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 2023-09-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization XXXX XX/XX/2021 I disputed them and they remained on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached letters. I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/, I had opened an online checking account. I received a federal treasury check for my XXXX in the amount of {$8600.00}. This was the same day when BMO restricted access to my account. I called the BMO customer service asked them why a restriction on my account when I did a mobile deposit. I was told by customer service that I do have a daily amount of {$25000.00}, and no monthly limits. I was informed that the account is on freeze due to a fraudulent deposit. The fraud team is doing an investigation, and it will take 14 days, and someone will get back to you. 

I was told that they do have 14 business days to let the Fraud Department investigate this check and see if this is a real check, once this is cleared then my account will be reinstated, and I will have access to the account. I was questioned with how did i get this check and why do I have this check and what is this check for? I did answer all the questions they asked, and it was logged in my BMO case. On XX/XX/, call and spoke with CSR and they too were shocked to see that there was no update on my case and the account is still restricted. The CSR who helped me did send an email to both the Manger and the analyst who is working on the case. 

It is now XXXX XXXX, XXXX, I called, and they kept telling me that I do need to go to a branch to verify my identity so the Fraud Department can then help me further. I had to go to the branch 2x today, to have nothing done. Spoke with the fraude team they said she will email the following to her supervisor, the analyst who is working on my case, as well as his supervisor. This will be the 2nd time an email has been sent out to both analyst and his supervisor with no response as stated from the 1st email that was sent on XX/XX/. 

I also have attached a copy of the email i received from the bank which i will attached here as well

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 2023-09-28 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: IL

Complaint narrative:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX 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 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 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 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 2023-09-28 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: FL

Complaint narrative:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, Transunion, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, XXXX, and Equifax. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : Experian, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

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 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Previous Mortgage Company : United Wholesale Mortgage ( UMW ) As of XX/XX/XXXX, UMW adjusted my mortgage payment from {$3400.00} to {$2900.00} stating we were overpaying into our escrow account. They sent us a check on in XX/XX/XXXXXXXX  for the amount of {$10000.00} stating we are due the amount because escrow overage. I'm unsure of how they conduct their year escrow analysis projection and when they received the property tax notice, but for the periods of XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  my property tax went up from {$2200.00} to {$720000.00}. Due to the drastic change in property value our escrow should've went up. However UMW did not notified us of the changes or that escrow account was in the negative. Appearently they were paying the difference on our behalf instead of notifying us and readjusting our mortgage to reflect new property value amount. Concurrently in XX/XX/XXXX, they sold our mortgage loan to XXXX XXXX XXXX XXXX. They even sold our mortgage to the new company with a a negative short escrow account. 

Current Mortgage Company : XXXX XXXX XXXX XXXX  XX/XX/XXXX, the new mortgage company XXXX XXXX XXXX XXXX  notified us about the changes to our mortgage payment from {$2900.00} to {$4100.00}. Stating it was due to our negative escrow shortage of {$3500.00}. On top of the escrow shortage, I have to pay the new projected escrow amount of {$8400.00}. In doing so, my mortgage went up by {$1100.00}. Upon talking to the representative from XXXX XXXX XXXX XXXX  that when I realized what happened to my mortgage and escrow account with UMW. 

After contacting XXXX XXXX XXXX XXXX, I contact UMW to get a copy of our escrow transactions and review my previous mortgage statements. I now see when these negative balance have occur but when were they going to notified me of these changes. It was not until a year later with new mortgage I was notified of the negative escrow balance and changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: ME

Complaint narrative:
In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 furbish an account without my written instructions.

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 2023-09-28 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: NJ

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.

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 2023-09-28 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: NJ

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate inquiries from a company that doesn't even exist.

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 2023-09-28 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: CA

Complaint narrative:
Improper use of my report. 
Date of incident XXXX XXXX XXXX ( Amount Credit limit {$750.00} ) Company : XXXX XXXX  Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card 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 2023-09-28 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: CA

Complaint narrative:
Improper use of my report. 
Date of incident : XX/XX/2022 ( Amount Credit limit {$750.00} ) Company : XXXX  XXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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:
Improper use of my report. 
Date of incident : XX/XX/2022 ( Amount Credit limit {$750.00} ) Company : XXXX XXXXXXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card 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 explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
Disputed 2 falsely reporting Tradelines and fraudulent inquiries on my Experian Credit Report XXXX - Account showing {$1800.00} Balance - supplied bureau with proof that this account was paid in full and closed before record added to credit report. They did not perform an investigation nor did they delete this false record which is affecting my credit score negatively and they are aware of the XXXX point deduction this false record has caused. This account was opened in XXXX and closed XX/XX/XXXX with a {$0.00} balance... had they performed an investigation or reviewed the documentation I submitted they would have deleted accordingly as the dates/balance and historical payment information is incorrect or missing. 

XXXX XXXX XXXX - I have no business with this company. I had an account opened without my knowledge with their customer XXXX  by store after providing them with my personal details to open a XXXX XXXX Account. I requested removal of this fraudulent record. No investigation performed, no supporting documentation forwarded supporting their position to continue to report this false account. 

2 Fraudulent Inquiries ( FTC REPORT ATTACHED ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX attaching proof of my position : {$0.00} balance letter from XXXX dated XX/XX/XXXX ( fraud account opened in XXXX ) XXXX XXXX - attaching identity theft documentation

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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I was contacted by XXXX XXXX text message XX/XX/XXXX ) saying there was suspicious activity on my account, and they had put a hold/nonpayment on that purchase. I was asked to call. I did. After much discussion the customer service rep found the charge they felt was suspicious plus several others. Same companies, same date, different amounts each charge. Barclays closed the account and sent me a new card/account number. Those charges were removed from the account within a day or two after they were investigated. A day or two later I saw that XXXX transactions had been missed in that fraud claim. ( the rep originally told me that may happen because there were several charges made by the same company/companies ' same date XX/XX/XXXX and to call back and add them to the claim if that happened. ) XXXX XXXX XXXX charged on XX/XX/XXXX and XXXX XXXX XXXX charged XX/XX/XXXX were the XXXX charges missed. I called the XXXX department ( approx. XX/XX/XXXX ) and was told by the representative that those charges would be added to the original fraud charges and removed from my account AND my account would not have to be closed or changed again. However, they were not removed from my account by the time this months statement came out. I have called the company XXXX more times since then. They do not seem to be investigating, removing these fraudulent charges nor responding. I have also hit the " dispute charge " button onthe statement page with no response.

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 2023-09-28 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: Sunlight Financial LLC
State: VA

Complaint narrative:
unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 non-monetary relief