vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received copies of car contracts from Bank of America that belonged to me except one that had my electronic signature and I never purchased the car. The car in question is a XXXX XXXXXXXX XXXX that Bank of America is saying I purchased and I'll include the contract in this complaint. This is an unethical way of doing business by getting my signature somehow on a document that I never even signed for. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Bank of America has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus committing fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Bank of America has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Bank of America has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Bank of America upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities. If Bank Of America remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware XXXX XXXX, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables.

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 2024-03-27 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:
DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX. 

Re : Dispute of Account Status - Account with XXXX XXXX, Reported by XXXX. XXXX XXXX XXXXXXXX Dear XXXX, I am writing to dispute the status of an account reported by your agency, XXXX. XXXXXXXX XXXX XXXXXXXX, regarding a transaction with XXXX XXXX. According to your report dated XX/XX/XXXX, the account status is marked as " Paid, '' which is accurate. However, I have concerns that need to be addressed to ensure my credit report accurately reflects the closure and satisfaction of this account. 
Account Details for Reference : Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$72.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX While I appreciate that the account status is correctly listed as " Paid, '' I want to ensure that there are no discrepancies in how this account 's payment history or status is reported to credit bureaus. The account 's resolution is crucial for maintaining the accuracy of my credit report and my overall financial health. 
Therefore, I kindly request : XXXX. A detailed account statement reflecting all transactions, including the payment that satisfied the account balance. 
XXXX. Confirmation that this account has been reported as " Paid '' to all three major credit bureaus ( Equifax ) but not reported to XXXX, and XXXX along with the date of this reporting. 
XXXX. Assurance that no further reporting will inaccurately reflect the status of this account, given its full settlement as of XX/XX/XXXX. 
Your prompt attention to this request is greatly appreciated. I hope to resolve this matter swiftly to avoid any potential negative impact on my credit score due to reporting inaccuracies. 
Please send me a written confirmation of the actions taken in response to this letter within 30 days of receipt. Should you have any questions or require further documentation from my end, do not hesitate to contact me at XXXX or XXXX Thank you for your cooperation and understanding. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In the year 2022 I was employed at the time that attempts to make a purchase with XXXX XXXX. This purchase was to be delivered to my home XX/XX/XXXX which was exactly XXXX week at that time I was informed that we were being laid off I canceled the order only to find out the XX/XX/XXXX was not the shipment dates that it was me backward until XXXX perfect timing for me to cancel and not proceed with the order because I was being laid off I immediately close account only to find out that they are still insisting that I received the item and they're still billing me for it. I've never once received any statements or card. They've closed my account saying that everything was fine and years later I'm still being billed for this. I've been hacked into several times with my social security number and having to deal with this nonsense all the time once again my information was stolen and I do have a monitoring for my 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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.

Complaint narrative:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX ( Original XXXXXXXX XXXX XXXX ) XXXX : {$550.00} XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} 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 NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My online account with Experian was hacked XXXX times in the past 6 months. Every time I call Experian membership service, change password, email, pin, address, place security freeze. Next hackers gain access of my account somehow and change all my personal information and fraudulently apply for credit. Strangely Experian never sends me text alerts when hackers try accessing my account which makes me suspect this is an inside job. For unclear reason Experian can't safeguard my account and nobody at the company helps 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 explanation
Consumer complaint received 2024-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one claims that they are reporting accurately however there are XXXX problems with this statement. The first is that on my consumer reports, it shows that they did not conduct an investigation as XXXX different consumer reports are reporting differently. See attached exhibits. This is a complete violation of the Fair Credit Reporting Act. Additionally, they have never sent me mail in writing that they were going to furnish negative information on my consumer report. If capital one believes otherwise then I demand to see proof that they sent me a written notice via certified mail green receipt bearing my signature 5 days prior to furnishing this false negative information pursuant to 15 U.S. Code 1681s-2 ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-03-27 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: MS

Complaint narrative:
I requested for XXXX, XXXX and TransUnion to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.

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 2024-03-27 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: MS

Complaint narrative:
I requested for XXXX, Equifax and XXXX to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
MR COOPER AND XXXX XXXX XXXX XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. THE ASSIGNMENT WERE CREATED AFTER THE CUT OFF DATE OF THE TRUST THAT WAS FILED WITH UNITED STATES SECURITIES EXCHANGED THEY HAVE NOT NOT RESPONDING TO MY QWR THAT I SENT XXXX. NOR HAVE THEY ACKNOWLEDGED MY DEBT VALIDATION AND NOTICE OF ERROR. I HAVE ALSO REQUESTED A COPY OF ORGINAL NOTE AND THEY WILL NOT SEND A COPY, AND I HAVE ASKED FOR THE GAP ACCOUNTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Submitted a Qualified Written Request for corrective action including payment history correction, and Failure under XXXX to properly notify me of mortgage transfer of servicer. Also not cancelling foreclosure sell while in a modification process. 

Mortgage was sold from XXXX XXXX  to a new servicer, Selene Finance without notifying me, and incorrect payment history. I have disputed and requested the information for the falsifying missing payments. The new servicer Selene Finance will not tell me and or my authorize Rep, anything about what payments are missing and/or delinquent after multiple request and Selene have not accepted any payments since obtaining this account stating because its " too delinquent '' to accept payments, and recently sent me a modification application for the first time which I completed and returned immediately but Selene failed to stop the foreclosure during the modification process as allowed federally and per State of Georgia violating all my righs under Rule 80-11-6-.02. Also request all documents pertaining to the already approved Making home affordable loan, and program approval documents and terms which is current and active on current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 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.

Complaint narrative:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXBalance : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXXBalance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/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