vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Personal Loans Cos. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Loan/mortgage was originated approximately 10 years ago. All payments have been made prior to due dates. Insurance information has been provided as required. Approximately 2 months ago ( XXXX XXXX ), Newrez started billing for " lender placed insurance '' $ XXXX. When we received initial notification, we were told no insurance was in place for the property, a condominium. Both our insurance provider, XXXX XXXX, and us sent evidence of insurance coverage which has been in place under the current policy since XX/XX/XXXX and expires XX/XX/XXXX. Newrez sent a notice dated XX/XX/XXXX acknowledging receipt of insurance coverage and would get back to us within 5 business days to let us know if the provded coverage is adequate. As of today, XX/XX/XXXX, or XXXX business days after their acknowledgement letter, we have not received any information from Newrez. Today we called Newrez to find out if they made a determination. After nearly an hour on the phone with their customer service and insurance dept., we were told that they need a copy of the XXXX master insurance policy for the exterior of the property. to be brief, ( i ) no such notice requesting this information has ever been sent, ( ii ) there is no such provision in the loan documentation and ( iii ) we have never been billed for Lender Placed XXXX before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MD

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.

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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following address are non mailable address. Please remove them from my credit report. XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Also remove the following employers. I do not work at any of these jobs. XXXX ; XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following address are non mailable address. Please remove them from my credit report. XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Also remove the following employers. I do not work at any of these jobs. 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has paused my account for several months and gave an excuse that they need to look into further research. In the meantime it has caused me to be denied for housing, banking institutions, credit, and employment. They have not replied to fixing the issue and are continually falsely freezing my account. They have. It reached out to me to verify me, but instead have sent warnings to all organizations who contact them in regard to verify me and my information. Additionally they are only reporting negative content and have deleted all positive history of any payments that I have made in the past. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I got a notification saying my card was being used at an ATM, they were able to pull {$510.00} off my account within 2 minutes and Chime says they can not help until the transaction is posted. The address of the ATM is on the transaction as well as the time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have only used my card to withdraw money from fee free ATMs. I expressed my immediate grief to Chime that {$500.00} was missing from my account and they were unhelpful just putting me through the motions to get a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I am filing a complaint with all related agencies. 

Loan that was given by this bank to a individual that is building on property not owned by the individual ( on the wrong parcel ). The lending institution refuses to communicate on the loan. I understand the privacy laws but they have loaned money on improvements not associated with the site that was used for collateral. The title company that closed the loan confirmed that as well. Lender has refused to respond. I asked for the license number of the mortgage broker and she refused to provide it until I advised it was required for her to provide it. 

They have a {$400000.00} loan ( 70 % complete home ) on land not covered by the title policy or owned by the borrower. They have appeared to stopped construction but refuse to discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Hacker ( s ) took all my investments from my Coinbase account worth XXXX  XXXX XXXX of dollars. Account is linked to my email address. Coinbase acknowledged. 
unauthorized activities on XX/XX/XXXX and XX/XX/XXXX. Coinbase case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-01-31 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: PA

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 U.S.C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2024-01-31 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: MA

Complaint narrative:
The date that this card was opened is XX/XX/2023. The card is from XXXXXXXX XXXX and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have XXXX tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.

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 2024-01-31 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:
15 disputes experian lies and says are ready to view, lie lie lie lie lie lie lie lie lie, DO NOT FALL FOR EXPERIAN TACTIC TO GET YOU TO ENGAGE 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Collection Agency : NCB Management Creditor : XXXX XXXX Amount of Debt : {$12000.00} I have made several attempts over the past four years for NCB management systems to provide me with the original validation letter for the alleged debt between myself and XXXX XXXX. I have sent countless formal requests via certified mail asking for NCB to provide me with the original purchase agreement of this alleged debt between NCB  and XXXX XXXX, all to no avail. I have requested this information via certified mail from the year XXXX  to present and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If the can not provide the original purchase agreement of this alleged debt between NCB and XXXX XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im a victim of identity theft, someone used my personal information to create a bank account with Bank of America, and now Im having problems in my credit reports and I cant remove the fraud alert from my file, the fraud was in a different state that I live in

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 2024-01-31 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: VA

Complaint narrative:
There is 6 late payments in year 2020 and defenitly is an error, that is affecting my credit. 
This account is in good standing. The company name is XXXXXXXX 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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
From the time we applied for an received my son 's federal student loans, we only knew that XXXX XXXX was the servicer of these loans. 

XX/XX/XXXX received email from XXXX XXXX notifying us that the student loans would be transferring to XXXX. 

XX/XX/XXXX received welcome email from XXXX notifying us that the student loans had been transferred to XXXX. My son set up his account profile on XXXX in preparation to makes payments. 

Starting in XXXX, my son made payments in different large installments via direct bank transfer to his XXXX account ultimately completely paying off his student loans in a matter of a few months. 

XX/XX/XXXX received email from Edfinancial advising student loan payment was due on XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX received emails advising student loan payment was due even though we had already explained that we had no knowledge of having any loans outstanding with Edfinancial. My son provided proof of payment with XXXX and we have spent a considerable amount of time on the phone attempting to resolve this issue with Edfinancial. 

As of today, XX/XX/XXXX, we still have not heard from anyone at Edfinancial about this situation and it still shows that we owe Edfinancial the full amount of the loans that were paid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

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.

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 2024-01-31 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:
To whom this may concern, my name is XXXX XXXX, and this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this 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 non-monetary relief
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
XXXX was sent a dispute letter XXXX weeks ago XX/XX/2024. I have not received any notice they they are to provide to me once they have received the dispute. I am resending the letter once again that was sent on the XXXX of XXXX. This dispute is to resolve all the inaccurate information on my report and follow XXXX XXXX guidelines. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief