vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: 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. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2023, I received an email from Rocket Mortgage stating that a check for my escrow overage for the year had been mailed to me on XX/XX/2023. I had yet to receive the check in the mail, so I called Rocket Mortgage to inform them that I didn't receive a check for the overall on XX/XX/XXXX. After speaking to the representative, I discovered the check was sent, but the mail was returned to them. However, they told me they couldn't release the funds because my account was on a forbearance plan until XX/XX/2023, because of a natural disaster that was declared in XXXX XXXX. I told them the account wasn't in forbearance when the funds were released, and I asked them to resend the funds to me. When they couldn't resolve the problem, they sent me a supervisor who stated that even though they sent out the check, if I had the check, I could cash it, but because they got it back in the mail, they wouldnt resend the check until I pay XXXX mortgage payment. I informed them that I didn't pay the XXXX payment due to the natural XXXX that was declared in XXXX XXXX, which financially impacted me to the point that I asked for a forbearance. She stated that nothing could be done until I made the payment for XXXX ; then, they could resend the check. However, these funds were already sent to me in a check on XX/XX/2023. 

Once the funds have been released, they shouldn't be able to withhold them from you. In addition, a forbearance is meant to assist your customer during times of hardship ; why would your customer be punished for being a part of this program by withholding funds that are due to them that could assist during their time of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ... .... THESE ARE DATES AND COMPANYS THAT HAVE UNAUTHORIZED INQUIRIES ON MY XXXX ACCOUNT. I DID NOT AUTHORIZE THESE THREFORE THEY ARE FRAUDALENT. I REACHED OUT TO THE COMPANY TO TAKE THEM OFF NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified account and inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these account and inquiries and inquiries completely from my credit reports. 

ACCOUNT : XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called in to Experian to dispute an address. On XX/XX/XXXX my entire credit score was gone from the page. What they told me that it reset itself. They told me that the score rests if there's any inactivity for 6 months. I never asked for them to reboot the system. I was then directed by Experian to go through some procedures to get my score back. One of the agents made me reset the boost they kept telling me that after the boost my score would be back in XXXX hours. On the website there's an score tracker where you can see my score of XXXX. I have been in contact with Experian spoke to supervisors as well and been hung on because they can not give me an answer. Both the customer service agents and supervisors have admitted as well that it was their mistake but can not do anything. They can go back and hear the recorded calls. Its been over XXXX weeks and I haven't gotten my credit score back. I'm being misdirected by Experian

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Please see the attachments.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX - Received notification from XXXX XXXX that a hard inquiry had been placed on my credit report. Company name : XXXX ( XXXX XXXX ). 
XX/XX/XXXX - Attempted to contact XXXX. Was told by XXXX that dept had left for day. 
XX/XX/XXXX - Spoke with XXXX and she informed me to contact police to file a report and she would send a fraud letter to have completed. 
XX/XX/XXXX XXXX XXXXXXXX - police report finally given with case number : XXXX with XXXX XXXX XXXX XXXX Police Department ) XX/XX/XXXX - Attempted to obtain police report, but was told report was incomplete; had to go to police department to find out reasoning for incomplete report. 
XX/XX/XXXX - Received voicemail from XXXX XXXX that incident report was now complete. 
XX/XX/XXXX - Received incident report for identity theft incident. 
XX/XX/XXXX - Mailed certified letter to XXXX ( XXXX XXXX ) containing photocopy of my drivers license, incident report, and completed fraud letter company had provided. 
XX/XX/XXXX - Tracking number : XXXX shows delivered to XXXX XXXX XXXX 
Below are two of the suspects from my daughter 's stolen vehicle ( occurred same night ; however I did not realize my passport wallet containing my Social Security card, passport, and passport card had been stolen until XXXX XXXX alert ) : XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX, TN XXXX and XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN 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
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Nelnet purchased my loan from Great Lakes. When covid hit, i opted to continue making my scheduled payments as i was not impacted by the pandemic in a negative manner that others were. However they chose to not charge me interest. When it got sold to Nelnet, i am now seeing capitalized interest from what i presume is the covid forbearance period. I feel it is deceitful and unfair to charge this when i was given no other option, especially at such high rates. I emailed nelnet when the transferred occurred, but never recieved a response that i was able to find. I am requesting the removal of the capitalized interest as i never entered into an agreement for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$2800.00} 15 U.S.C, 1681section 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 an 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 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 2023-10-20 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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:
This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/XXXX  XXXX XXXX XXXX These items were once removed from XXXX and Equifax but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from Experian and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.

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 2023-10-20 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: GA

Complaint narrative:
XXXX, Transunion and XXXX has incorrectly reported a loan from XXXX XXXX as a Charge off. My loan is in good standing and it was not charged 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 non-monetary relief
Consumer complaint received 2023-10-20 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:
Experian, XXXX and XXXX has incorrectly reported a loan from XXXX XXXX as a Charge off. My loan is in good standing and it was not charged 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 2023-10-20 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-10-20 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
Requested a free copy of my credit report and found fraudulent and in correct information being reported on my credit report. I contacted XXXX on XX/XX/XXXX and had a fraud alert placed on my credit file and a freeze, did a thorough investigation of my credit file and learned that there were a account in collections from LockHart, Morris, & Montgo partial account number XXXX date open XXXX XXXX original creditor XXXX XXXX XXXX, collections address, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/, A number called me using a rerouted Bank of America number telling me that there was a fraudulent charge and put a code in XXXX to verify my account. I accidentally sent {$1900.00} to them under false pretenses, I immediately called Bank of America asking for an investigation, they responded on XX/XX/XXXX, that no error occurred. We appealed the claim, and they said they couldnt recover the money on XX/XX/XXXX, and told us to contact the receiver.

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 2023-10-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Today XX/XX/2023 I received a call from someone claiming I owe a debt to XXXX XXXX they said they were with credence resource management but both phone numbers provided to me did not belong to this company. The name given was XXXX XXXX and XXXX XXXX. They gave me a number to call XXXX and called from XXXX both numbers unrelated to credence resource management. He knew my address and name then said I owe XXXX XXXXXXXX dollars he then stated two phone numbers associated with the att account that I never had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
This is the second time this third party company is saying i owed This much money when i dont the dates and amount is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I walked in to a branch on a friday afternoon to request cashout of the balance in my account and closure of my checking account. 
They cashed me out with a cashier 's check and said they would take care of the closure and I neednt stay for that. They didnt provide me with any reference for the closure request- they just said it would be closed in XXXX business days One week later, my account is still showing as active. I call their customer service, they say they will put in the request through backend and the it will be closed in XXXX business days. WHen I ask for a ticket number or a confirmation request to be sent to my email, they claim they do not have such facility available I even tried speaking to a supervisor to get some resolution but to no avail

Company response to consumer: Closed with explanation