vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Account : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX - XXXX Inquiry XXXX XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 non-monetary relief
Consumer complaint received 2023-10-17 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or information.

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 2023-10-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.

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 2023-10-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.

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 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Years ago I refinanced my mortgage with New Rez. The number of the loan is XXXX XXXX. 

Full coverage was already in effect, through XXXX. Years passed without incident. Then, on XXXX XX/XX/XXXX, New Rez notified me that it considered the property inadequately insured. New Rez was wrong, but I humored it anyway and had XXXX send it a fax verifying full coverage. Six weeks passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a second time of the same imaginary deficiency. I reached " XXXX '' at New Rez. He poked around, found the fax practically in his lap, and pronounced New Rez satisfied. Two more months passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a third time of the same imaginary deficiency. Each of these XXXX notices threatened me with New Rez 's furnishing its own coveragewhich might cost me a bundle and still not protect my interests. 

Yesterday, I spent 30 minutes on hold and the rest of the evening awaiting a call-back. Today, I spent 10 minutes on hold and have spent four hours awaiting a call-back. 

Even the first notice was superfluous ; the second and third notices were, if such a thing is possible, more superfluous. These guys won't take Yes for an answer. Please help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
My loan was purchased by Mr. Cooper from XXXX XXXX in XXXX of this year. Little information was relayed to me about this transition, but I did get my account set up and autopayments were made in XXXX and XXXX on my account. Sometime in XXXX, they added a message in my account about autopay being turned off if I did not confirm it ( again? ) - this was not in a message center, but instead buried under statements -> miscellaneous documents. As a result, I did not make a payment in XXXX or XXXX. When I discovered the issue I talked to them and made a single payment, but their system would not allow me to set up autopay for " XXXX hours '' - I logged back into the system to set it up and that option was not available for several days. After setting up auto-pay I saw that my monthly mortgage amount had changed. This took another call to Mr. Cooper to find an obscure separate area for communication ( Again NOT located in the message center ) to find an " escrow analysis '' that had lowered my payment. I am in statistics and could tell that the analysis was incorrect and had me severely underpaying. Sure enough, I also discovered, through another obscure area of the site that they had inappropriately issued a check for overage to my escrow account that did not factually exist. This prompted them to need to apply this to my account which means I have to, yet again, turn off auto-pay and remember to come back in XXXX months to pay the difference in my XXXX payment and then AGAIN later in the month to reinstate autopay. I also found that they had discovered their issue with the escrow account analysis and although my payment had been $ XXXX up until XX/XX/2023, dropped to {$980.00} for XX/XX/2023 on, another escrow analysis has it increased to almost {$1400.00} in XX/XX/2023. This company has made it almost impossible to just simply pay my mortgage - canceling auto-pay, sending messages in obscure areas of their site ( with no link to the centralized message area ), and putting changes/policies in place that mean I have to constantly log in to manipulate options for payment. I have never been late on a mortgage payment in my life until Mr. Cooper and am facing additional months of constant manual and active requirement to jump through their hoops to simply pay it. A monthly payment swing of almost $ XXXX based on their poor planning is also not reasonable for a customer, especially with little to no communication. With loan % rates, it's not reasonable for me to refinance at this time, but it's completely unacceptable that Mr. Cooper can continue to operate this way legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. THEY HAVE BEEN CONSTANTLY SHIFTING THINGS ON THIS ACCOUNT LIKE MY OPEN DATE, CLOSED DATE, ACCOUNT STATUS & PAYMENT HISTORY. 

1.THEY HAVE CHANGED THE CLOSED DATE OF THIS ACCOUNT 3 TIMES FROM THE ORIGINAL CLOSED DATE OF XX/XX/2022. 

2. INACCURATE OPEN DATE, REAL OPEN DATE : XXXX XXXX 3. ACCOUNT IS CLOSED BY CREDIT GRANTOR. WHY ARE THERE STILL CHARGE OFFS/PAYMENT ACTIVITY STILL OCCURING EACH MONTH AFTER CLOSED DATE ON THIS CLOSED ACCOUNT?

4. NO XXXX CODE SHOWING FOR CLOSED ACCOUNT. THERE SHOULD BE A CLOSED ACCOUNT CODE OR NO DATA CODE.

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 2023-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, this creditor BANK OF AMERICA has violated my rights. Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604a section 2, it also states the consumer report agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under open and consumers credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: NC

Complaint narrative:
I sent XXXX certified mail with police report and ftc afffidavit, stating I didn't get a loan from them, after me sending them this info, it's been nearly impossible for me to get in contact with them, even with them sending me final demands for payment letters with phone numbers, They want return phone calls.

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 2023-10-17 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: NC

Complaint narrative:
I sent XXXX certified mail with police report and ftc afffidavit, stating I didn't get a loan from them, after me sending them this info, it's been nearly impossible for me to get in contact with them, even with them sending me final demands for payment letters with phone numbers, They want return phone calls.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-17 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:
UNKNOWN PERSON APLLIED FOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account continued to be debited for unauthorized transaction for XXXX XXXX XXXX XXXX My account was linked to a LOC ( Personal Line of Credit ) for Overdraft Protection, so it too was depleted. My total loss between both the checking accounts and LOC was approximately {$4000.00}. I have statements that show list of ALL transaction dates, amounts, and name of online gaming vendor ). 
I have contacted Bank of The West local branch, I have completed a dispute per branch manager advise, but the bank did NOT refund me my money. I even contacted District Manager, but I was totally disregarded. 
Please note that these transactions where made from a secondary checking account, that wasnt used often ; not my primary checking account so I was unaware of what was happening, and unfortunately although the bank does get a daily overdraft report that the Operation Manager receives, is required to review, and is required to contact customer whom are overdrawn, or show suspicious activity I was never contacted.

At the time Covid hit and I was XXXX  and couldnt follow through with trying to get my money back. I am ready to provide all info needed to support my complaints, and hope you can assist me in getting my money back. 

Thank you, 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 2023-10-17 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-17 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My XXXX account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. XXXX then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from Velocity Recoveries stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with XXXX  and Velocity, and they both do not have answers. XXXX told me the loan should not have been sold, it was then sold. XXXX told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from Velocity telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to Velocity. XXXX refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2022, an account at chase bank was opened, that I had no knowledge of. My social security number, birthday, address and other personal info was provided. I called within 30mins to chase to close the account and to say I never opened the accounts. A debt account was also opened. When I received the cards in the mail at the end of the month I called chase bank again, to find out the debt card was not closed. This month, XXXX I received a letter from chase that {$700.00} was withdrawn out of the debt account. I called again to find out it was still not closed. After 2 hours on the phone I finally got the accounts closed and filed as fraud. Today XX/XX/XXXX, my sister XXXX XXXX also had a credit card applied for at chase bank.

Company response to consumer: Closed with explanation