vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Attached are files from XXXX regarding XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These were both allegedly covered by extended Insurnace; XXXX coverage, service contract, and XXXX XXXX XXXX through Lender. Please review all statements, receipts. I will also send information about Fraud Claim and others taken to XXXX XXXX XXXX XXXX and misuse of my alleged social security number, credit reports, and inability to have a normal finance experience or life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$560.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MT

Complaint narrative:
Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX. Please remove this account ASAP.

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 2023-10-16 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: AZ

Complaint narrative:
XXXX XXXX has once again destroyed my credit and dropped it from an XXXX to a XXXX for a matter that should have been resolved in XXXX. I contacted the company every month to pay my bill in the PAST ( before the first negative credit reporting ) and was advised to seek help/call the XXXX help line which I did. Their representatives repeatedly advised that the problem had been fixed and my payment would be processed. They then reported me to the credit bureaus for being late which significantly damaged my credit. I filed a complaint with CFPB and XXXX  at that time. My credit score was restored and increased to an XXXX reflecting that I take a lot of pride in paying my bills on time!

XXXX has once again reported me to the credit agencies for a matter that should have been resolved in XXXX ( 9 months ago ). I view this NEW credit reporting to the credit agencies as retaliatory in nature for the complaints that I made to CFPB and XXXX  in the past. I have made every single payment on time with XXXX since I had to fix the problem myself back in XXXX with no help from them. I view this new credit reporting regarding an old issue as an attempt to continue to harm me for reporting their horrible business practices. I obviously pay XXXX bills on time or I wouldn't have an XXXX credit score. And I didn't have a single missed payment with my previous mortgage lender for 6 years ( the life of my mortgage with them ) so the problem is clearly THEM.

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 2023-10-16 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: FL

Complaint narrative:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.

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 2023-10-16 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: FL

Complaint narrative:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: LA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX : {$420.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-16 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: NY

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX XX/XX/2023

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 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My original lender did not require me to have hail and wind insurance. It is nowhere in my loan documents ( deed of trust nor promissory note ) that my escrow can be used for wind and hail insurance. They force lender-placed it on me without my knowledge and drained my escrow. Now they are telling me that my note is going to be {$1000.00} more per month and I can not pay that. I have sent them all of the documentation that they would need to reverse this and reimburse my escrow. I have spoken with them many times and I have been given the runaround for more than t o months. Now, they will not allow me to pay my note unless I pay the extra amount. They are trying to change the terms of my loan. I was never told that I had lender force-placed insurance. I was never sent any documentation of this insurance. I did not find out until eight months later when they sent me a letter stating that I would need to pay more in order to cover my drained escrow. I was denied talking to a supervisor six times. The last time that I called I was told to call back and asked to speak with the legal team only to be told there is no way to transfer me to a legal team. I have been told to email documentation and I have emailed it over and over and they say they do not get it although I receive an automated response all six times. I have told them I would meet them halfway and buy my own wind and hail insurance ( even though it does not say I have to have it in my loan document ) if they will reimburse what they have drained from the lender-forced insurance. They will not come up with a solution for me. Roundpoint bought my mortgage from XXXX mortgage company, and they are not honoring the terms of my mortgage that I signed via my contract with XXXX. I have consulted with an attorney and I can not afford attorney fees to get a solution. I will have to put attorney fees on a credit card if this is the route I have to take I would rather settle this out of court. I have all documentation from every phone call that I have made and every email that I have sent.

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 2023-10-16 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: NV

Complaint narrative:
I had three credit card accounts which were reporting to XXXX, Transunion, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, XXXX, and Transunion ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, XXXX, and Transunion, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5.

I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.

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 2023-10-16 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: NV

Complaint narrative:
I had three credit card accounts which were reporting to Equifax, XXXX, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, Equifax, and XXXX ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, Equifax, and XXXX, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5. 


I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NV

Complaint narrative:
I had three credit card accounts which were reporting to XXXX, XXXX, and Experian. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by Experian, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( Experian, XXXX, and XXXX ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to Experian, XXXX, and XXXX, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5. 


I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.

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 2023-10-16 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: NJ

Complaint narrative:
I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called XXXX XXXX  XXXX and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at 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