vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) 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 2023-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I bought a farm in XXXX with my husband in 2009. After we moved from XXXX, my husband continued to work in XXXX  and never made the transition to move over which was obviously what was originally intended as we were raising our XXXX young children. I learned later that my husband was having affairs since we all lived in XXXX and was continuing to do so while I raised our kids in XXXX. I filed for divorce once I learned of his infidelity but I could not afford the farm by myself. I did not have a job since I had just moved and I was taking care of our children by myself. I found jobs and found ways to stay afloat the best I could going in and out of the foreclosure process. I was at the farm for nearly 10 years and struggled the whole time. The property had gone into disrepair as I did not have any additional money. The market was bad and the property did not look good and so there was no way to sell it early on. I worked hard on the property for 3 years doing what I had to get it back into a state that would help it sell. I mowed, weed whacked, power washed, fixed fence, fixed garage doors, had siding put on a run-in, fixed XXXX waterers, painted rooms, got carpet put in where it needed it the most, trimmed trees, repaired electric fence and on and on. The property looked great when I finally put it on the market and the market had improved by that time. The property sold in the nick of time as I was in foreclosure proceedings once again. My neighbors could vouch for all the work I did over the years because they saw me working so hard. 
When I applied for a mortgage through XXXX XXXXXXXX XXXX, a 3rd party originator, I was approved for a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan. I was told that I would have to pay PMI for 10 years I believe which was an additional {$150.00} per month! I thought that was only for those who put less than 20 % down. I was putting more than half down! I was told that because my farm was in foreclosure proceedings that it was a requirement. They did not care about the circumstances whatsoever. Anyone in my position would have lost the farm to foreclosure and would not have the means to buy any house. So basically I am being punished for something that was out of my control. I did not know that I would be abandoned by my husband. He signed a 30 year mortgage with me yet I was the only one trying to stay on top of it. Most people told me to just walk away and start over. I had too much invested and felt I needed to work hard to get where I needed to be. It would have been much easier to walk away but that is not something I do. The mortgage has since be sold to Freedom Mortgage of XXXX XXXX, Florida.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back on XX/XX/2022, I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old address still appears on my report. USPS tracking number XXXX. Experian stated they properly investigated my dispute, but how is that possible when all this old address still appears on my credit report. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a dispute letter with proof identity theft for the from chase for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in violation!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had my Hot water heater blow and my alarm companies water sensor failed. 

On XX/XX/XXXX XXXX XXXX deposited {$250.00} to my account. 

Ive spoke with XXXX XXXX and they supplied me with the deposit form showing Chime Bank Formally Stride NA bank received these funds. 

Ive spent countless hours with Chime to hear the same Page of the same book talking about escalating to a back office. 

I have been told for a week straight that this back office would be in touch. 

I provided Chime with the documents proving the money was transferred yet they claim they can not find it so I must continue to wait. 

I should be given a provisional credit in the amount of {$250.00} while the supposed back office finds my money. 

Additionally during the time of my deposit I received an email stating deposits were working again. 

Clearly they had a known issue, Chime bank has the proof needed to immediately credit my account yet they refuse to do so. 

This in my opinion amounts to theft, Inwant my deposit. 

Why should I the 3 year customer have to wait for them to find their error? 

Can not reach anybody not reading the book of the same stuff to say. 

The customer support provides no customer service and instead reads off a line that all complaints go to this back office. 

Ive requested the back office on numerous occasions and have not heard a word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian this morning on XX/XX/2023 to inquire about a missing account that should be reporting to my credit. I also disputed a few I inquires that do not belong to me. So, I received a emailed stating my dispute was complete. When I checked my credit I saw Experian had added multiple negative accounts and names of someone elses credit file to mine. They have completely destroyed my credit. Experian has maliciously and intentionally to do things to hurt my credit. There a several accounts and names that arent associated with me. Couldnt even dispute the names or some of the accounts because I was told if the name is associated with the account then its cant be disputed. Every time I call Experian they do something bad to my credit. My legal and only name is XXXX XXXX. I attached screenshot of what my credit report looks like. There are names that I have never been associated with. Experian took someone elses credit file and put it on mine. 

8 negative accounts 34 inquiries 37 personal information Was added to my credit file They intentionally merged my file with someone elses.

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 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In late XXXX of 2023 I received an email that my mortgage that was XXXX XXXX was being sold or transferred to a new mortgage company called Newrez. Subsequently on XX/XX/2023 ( exactly seven days before payment was due ) I received an email from Newrez stating that my XXXX XXXX loan was being transferring to them ( Newrez ). The email said that the effective date was XX/XX/2023 ( seven days ) and my loan activation date was XX/XX/2023. Newrez also provided a loan number. The email also stated that on XX/XX/2023 I would receive a detailed welcome letter along with due dates, information about my loan, and due dates. On XX/XX/2023 I did not receive any mailed written notification from Newrez. I still don't know how they obtained my email information. On XX/XX/2023, after receiving no additional information, including no mailed welcome package, no disclosures, no nothing from this new mortgage company, I called Newrez. I spoke with someone who stated that they were attempting to collect a debt. I informed them that the transfer of my loan was handled very poorly. I never received any mailed notification of the transfer from Newrez, I received no welcome package, and even the loan number in the original email was showing up as " not found '' when I tried to set up a new account on line. Frankly the transferring of this loan seems like fraud. I told the representative that I must have something in writing about my new account. I also asked why the welcome package had not been mailed out. He provided me with the excuse that they had a lot of accounts being transferred over and had fallen behind. It is now XX/XX/2023 and I still have not received any welcome package, disclosures about the loan, the amount transferred over, the interest rate to confirm that it is the same, or a payoff amount- which was also requested. This loan and payment is now 45 days past due, and I am concerned that on day 60 Newrez will report me as delinquent, even though they have not complied with any of the requirements for a loan being transferring. Each time I call them the representative just says I can pay online, but this does not guarantee that this is who I'm actually supposed to pay, or that this company is truly even responsible for servicing my loan. I received an XXXX statement at the end of XXXX, but this has been all I received. I need some immediate answers and help, because I don't want my credit messaged up by this being reported as past due or late. Are there federal guidelines that mortgage companies have to comply with that covers this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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.

The letters are stated with items and issues.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX when I already showed them proof of this account was no mine

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To whom it is concerned : To say I am vexed with Bank of America is an understatement! I have been a credit card holder with Bank of America for a couple of years now, never once have I been 30 days late on any of my cards that I hold with them. I purchased something with one of my cards in XXXX of 2023 due to rising inflation Ive been making my minimum payments due on time every month, XX/XX/2023 I made a payment of XXXX I was in the process of applying for a mortgage loan recently only to review my credit cards and notice that Bank of America thought it would be okay to lower my available credit limit from XXXX dollars to XXXX dollars, after bringing it to there attention I was told that it was because of my credit score, and Delinquent account. As stated above I have never been late on any of my credit cards and I have had a XXXX or more credit score for more than a year. Bank of America has deliberately reduced my credit limit causing my credit score to drop some XXXX points then when asked to setback my previous credit limit Im being pushed into a credit audit to see if I qualify for the credit limit that I was already approved for to begin with. Now Im being told they would have to do a credit pull to see if I qualify for a credit increase! This is clearly predatory behavior on Bank of Americas part this has put tremendous stress on me and my family due to the fact that I may have missed an opportunity to acquire a property that was soon to under contract. Bank of America has also not acted in good faith towards its consumer I would like for them to be held accountable for their actions.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
The Barclays MasterCard markets a XXXX college savings plan. It's a cash back rewards program that offers 1-2 % cashback to be used for college savings for a child. I had accumulated over {$2000.00} in my XXXX account. I authorized a transfer of funds to my XXXX savings plan. According to the XXXX website, the transfer was successful on XX/XX/2023. The funds were never actually transferred to my XXXX account. They do not have a customer service number. I have made numerous attempts to resolve the issues using their email customer service system, but they never respond. They have effectively stolen over {$2000.00} from my children.

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