vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 non-monetary relief
Consumer complaint received 2024-01-11 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 non-monetary relief
Consumer complaint received 2024-01-11 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Park Hill Holdings
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CrossCheck, Inc.
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my CrossCheck consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of myTeletrack consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 non-monetary relief
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify)
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my MicroBilt consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-11 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: IL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE
State: KY

Complaint narrative:
On XX/XX/XXXX XXXX issues and escrow analygis showing a shortage of roughly {$370.00}. 
On average {$5700.00} - {$6100.00} was paid each year to taxes and insurances. The XXXX XXXX, XXXX analysis states that I am required to keep a balance of {$2800.00} and then raised my escrow payments from {$480.00} to {$510.00} despite having close to half of the escrow payment in the account that rolled over from the previous year. 

Not only does this exceeds the amounts federal law outlines when I called XXXX bank the customer service person stated I was required to keep XXXX percent as well. I can provide a copy of the phone conversation as I record the conversations and XXXX bank has a copy of the phone conversation. 

2. On Form 1098 for Calendar year XXXX it states an ending balance of {$1200.00} which is incorrect. 

3. On form 1098 Calendar XXXX it states a starting balance of {$1200.00} when records show {$2000.00} had been paid extra in XXXX and carried over to XXXX showning about {$830.00} not accounted for between XXXX XXXX. XXXX bank did not issue any overages refunds even though there was a escrow surplus of {$50.00} or more. 

5. The account history is not accurate and XXXX bank backdates and adjusts the schedule to fit their needs so errors don't stay documented. For instance In XXXX XXXX the payments were credited to the escrow account and not a regular payment. XXXX bank reported my payments for these months as late even sending foreclosure letters. 

XXXX At no time this year has my account even fell close to the required " cushion '' in XXXX bank reported late payments to XXXX, XXXX and XXXX, for XXXX, XXXX and XX/XX/XXXX. XXXX  bank charged me added fees and notified the VA of foreclosure. However based on the transaction history payment dates, it shows no payments much less XXXX that were more than 30 days late? XXXX Essentially despite the XXXX analysis having a starting balance of {$2800.00} XXXX bank increased my escrow payment to account for a " shortage ''. Based on the analysis which I made over XXXX phone calls to XXXX bank that representatives relayed false and inaccurate information, XXXX bank carries almost $ XXXX each year. Funds that will be essentially lost for the next 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my ARS consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed several complaints with BofA in regards to my never receiving their debit card for my Edd benefits. Intially I was denied so I never followed up. I applied for welfare and they advised me to double check with BofA I did and they had approved XXXX claim, mind you its 2 years later. They had me refile 5 others : amounts {$19000.00}, {$9600.00}, {$1500.00}, {$1000.00} and {$300.00}. I filed these claims on XX/XX/XXXX. I was not provided any type of provisional credit until the day they completed their alleged so called investigations. XXXX XXXX  & XXXX That is when they posted all of the amounts but the larger one and the smallest. Ridiculous!! I NEVER received my card or any money back when i originally applied. If I had maybe i wouldnt have ended up living in a tent on the side of the freeway. Now to insult me like I am an XXXX and honestly they are doing the same to your company. Thinking Ill be happy w some of the money. They can with hold what is mine. They have put me through the wringer. My debit card is temporarily frozen everyday. Which means calling and verifying each transaction literally each and everyday, then there is the calls and hold times, wait times. 
Funny their documentation says they received and denied my claims on the very same. Its infuriating to be treated like an XXXX. 
In addition I still havent received the check for XXXX that they sent to the address that stole my original Edd bofa debit card. Why would you continually send things to address where I have and am telling you stole the tenants card? Strange if you ask me

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 monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my DataX consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
In accordance to the Fair Credit Reporting XXXX XXXX Account XXXX XXXX balance {$640.00}, XXXX XXXX XXXX XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, # XXXX  XXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX XXXX XXXXBalance {$3500.00} XXXX Federal # XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXX SXXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX  Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i realized after awhile that someone has taken out XXXX loans in my name that i didnt do about a year ago. after i realized this i called navy federal credit union a few months ago multiple times to try and get these XXXX loans resolved as i did not apply for these loans. navy federal credit union has said this is an ongoing investigation and they can not disclose any information to me about my issue. all navy federal credit union has recommended was to pay off these debts as they will affect my credit score but this has been an on going investigation for months with no movement on the case and no updates either. anytime i contact navy federal they say they can not disclose information about their investigation and im stuck paying these debts that were not mine. navy federal credit union also said i may or may not be able to get the money ive been paying on for these debts i didnt make back. i have also never been contacted about this investigation and saw navy federal credit union has a class action lawsuit of not properly investigating fraudulent charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my XXXX XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX XXXX XXXX report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my LexisNexis consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XXXX I requested the removal of escrows but I was paid ahead to XXXX and was told I had to request this in the month due. Loancare had phone issues. In XXXX, I waited to make my payment and called and requested on line. Loan due date is the first and I believe I requested on the XXXX. They said I could not because I was past due. On I not only submitted a payment online but also paid the escrow deficiency. I've since made the request 3 times and have not had ANY success. They have a link at https : //myloancareXXXX to make this request. Now they have disbursed my insurance. I asked that they not respond since I will, again, pay the deficiency to facilitate the removal. This request was made today at 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CrossCheck, Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CrossCheck consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation