vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Back in XXXX my account only had a XXXX charge on it. That should have been the only charge on my account up until I received my new phone. I cancelled all the orders I placed on that day. When I looked at my next statement I had multiple charges on it, it appears they did credit some money, but not all that I requested. They are charging me interest on items I don't own. I have requested multiple times for them to stop doing this even though they have all the proof. I can show you I got so upset with the TD bank I just cancelled my card just to find out they opened it again because they think I owe them money? I bought this phone outright with a different credit card and they just don't seem to get the point. I just want all my money back and have them pay the interest for their negligence. One of the attachments will show you I bought this with a different credit card because of this whole situatioin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX  XXXX - XXXX - {$2000.00} XXXX  - XXXX - {$3500.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been dealing with on and off phone calls with equifax because they are not reporting my credit cards and I dont have a score with them. I have had credit cards for than XXXX XXXX now, I have been on many phone calls with them for more than XXXX XXXX and none of them are solving my problem. I still dont have a credit score with them, and they dont seem to be fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX/ XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-13 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
NationStar/Mr. Cooper and their rep XXXX XXXX are receiving my mortgage payments, refusing to acknowledge receipt ( apply them to the loan ) in essence, stealing my money and reporting to the credit bureaus otherwise.. XXXX XXXX dispute numerous requests refuses to provide a representative to end this problem, a name was provided in token only, a XXXX XXXX, when homeowner ( who is a XXXX  ) tried to get assistance from Va, VA rep reached out to XXXX who refused to return response... this is not a disgruntled foreclosures complaint, this is a notice of fraud and an attempt to illegal acquire property through XXXX  and theft from NationStar/Mr.Cooper which is associated with or as also XXXX XXXX, contacts to XXXX XXXX, XXXX XXXX , and XXXX XXXX only resulted in them making promises to provide a representative, yet while secretly aiding the acquisition scheme, the company documents contact attempts for it's own records, but those attempts do not exist, although there have been a few missed XXXX number calls with a voicemail from a non reachable party. A representative of an XXXX XXXX promised assistance about a month ago but never followed through...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that Im being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Ive already submitted a complaint and its closed out you guys told me to reach out to cash app and they told me to reach out to you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
So I opened a checking account with BMO and was unaware that I could not deposit checks for my company into my personal account I am so proprietorship of this company and it caused my account to close after I deposited seven checks in my company 's name into my personal account. BMO then close my account with over {$9000.00} in my account after the checks cleared the writers account and refuse to give me my money stating that it's fraud. I provided BMO a letter from the IRS showing that the company I am so proprietorship for and I also provided them letters from my customers who wrote the checks to me stating that the funds have cleared their accounts and that they know that the funds are meant for me doing business as my company name. BMO refuses to speak to me or give me my money after closing my account and every time I call I get hung up on.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
On my credit report, I'm still seeing a balance of an account that I paid off on a Green Sky XXXX XXXX XXXX XXXX XXXX account. I paid off this account in XXXX last year, XXXX, but my credit report is still showing a balance of {$1300.00} out of {$7000.00} which is still showing under my credit utilization. I would like to have this permanently removed and would also like to be able to delete my banking and routing information from their system. I'm also still getting emails from them that I would like to be removed from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
THE ISSUE STARTED WITH NELNET REPORTING INACCURATE INFORMATION TO THEIR PARTNER BUREAU XXXX. THEN THEY FAILED TO CORRECT THEIR REPORTING, ALL THIS WAS GOING ON AND THE PEOPLE IN THIS COMPANY WERE SNOBBISH, RUDE AND DISRESPECTFUL. THEN I ASKED TO HAVE THE ACCOUNTS PROPERLY VALIDATED AND THEY DIDNT FOLLOW THE LAW AS USUAL WITH THESE COMPANIES. THEY CONTINUED SENDING BOGUS LETTERS WITH NO SUBSTANCE AND NO PROOF. ALL THE WHILE I JUST PAID THE ACCOUNTS OFF HOWEVER THEY HAVE NEVER RETURNED MY ORIGINAL SECURITY INSTRUMENT AND THIS IS A MAJOR PROBLEM FOR NELNET OR SLOAN SERVICING OR WHATEVER NAME THEY ARE NEXT YEAR, AS THE ACCOUNT WAS PAID OFF NOT FORGIVEN AND THE SECURITY INSTRUMENT WAS NOT RETURNED MEANING NOT ONLY CAN THEY NOT REPORT ANY DATA WHATSOVER BUT THEY ACTUALLY OWE ME THE FULL AMOUNT. PROVIDE/RETURN THE ORIGINAL NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I should this company in XXXX to another company. 
All the utilities were taken over by new company including the Alarm system. 
In XXXX, I got a letter from Ziondebt that I owed {$2800.00} in alarm bills from the company I owed. Apparently, the new company did not continue with the alarm services so a bill for XXXX  years was into the future was issued. 
This is not my bill, this is not my company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: WA

Complaint narrative:
I have called XXXX ( owned now by ServiceMac ) multiple times to resolve a recurring issue on their website that prevents me from logging in. As a result, the company has reset my account time and time again without resolving the issue. 

In XXXX I attempted to log in, the correct credentials failed, called Customer Service, they reset my account and I was able to log in one time. One time. After that, same issue, the correct credentials failed, called Customer Service, they reset, and I'm able to log in once. Again just once. 

I spoke with somebody on the phone who I will not name and she helped me file a bug report. Normal stuff. The response I got from the developers was unsatisfactory, all they did was reset my account again and close the ticket. 

This is a clear indicator that the developers ' performance is graded on number of tickets closed and graded on average ticket completion time. Sure, they marked it " resolved '' quickly for the performance metrics that come with a quick closeout time. Due to this rush job, I fear for other technical aspects of the company which directly handle money, bank information, social security numbers, and other personally identifiable information. 

I don't feel like my mortgage is in good hands. 

( NOTE : I can not provide my Account/Loan number via this online CFPB form because I am unable to log in to my XXXX ( Acquired by ServiceMac ) account ) ACTION : The development team needs to be audited, specifically look into their Version Control, Document Control, Code Walkthroughs, Code Review methods, Training, and Performance Metrics ( for developers ).

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 2025-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Late payments were reported during modification and forbearance plan just asking to have them corrected as this has never happened before as we had done this one other time, but theyre stating that after Covid then now they have to report regardless of the circumstance.

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