vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing issues surrounding the closing on my house with my mortgage lender XXXX, putting my property at risk of foreclosure. 

Despite our contractual agreement and the initial closing date of XX/XX/XXXX, we have faced significant hurdles where the loss mitigation department was unable to get us a payoff amount as we sat at the table to close including missed closing dates on XX/XX/XXXX, XXXX and XXXX, we did finally receive the payoff XX/XX/XXXX, But now the primary point of contention arises from the final payoff amount, which, upon receipt after XXXX missed closing dates, was over {$10000.00} more than the previously agreed-upon amount dated for XX/XX/XXXX. The explanation providedthat taxes due in XX/XX/XXXX were deducted from my loan accountis perplexing, as XXXX XXXX has yet to confirm the receipt of the funds after XXXX full weeks. Despite assurances from the lender that the wire was initiated on XX/XX/XXXX, XXXX XXXX disputes this, highlighting a lack of coordination and transparency. 

Moreover, the title company has requested a federal reference number for the wire transfer, a crucial piece of information that the lender claims not to possess. This lack of documentation raises serious questions about the legitimacy and timing of the funds transfer, contributing to the confusion and hindrance of the closing process. 

It is essential to emphasize that the lender 's actions, or lack thereof, are not only causing financial strain but are also potentially putting my property at risk of foreclosure. This is not only an egregious breach of our contractual agreement but also raises legal concerns, as a lender is not permitted to obstruct or impede a closing for an account under contract, especially XXXX involving a cash buyer. 

I have discussed this with any dept that would answer and listen and I additionally sent a letter to every dept available to receive documents. Asking them to take immediate action to rectify this situation. XXXX is of the essence, and any further delays XXXX result in severe consequences, including legal action. I kindly requested a swift resolution, clear communication, and the provision of all necessary documentation related to the wire transfer. 

I have a cash buyer who might walk which will result in my house being foreclosed on scheduled for beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
on XX/XX/24 stateline XXXX charged my XXXX for a part. I called to cancel the order but the charge was not returned. I was not able to successfully get XXXX to return the charge so i filed a dispute with citi bank for goods not recieved. 

On XX/XX/XXXX citibank closed the dispute in favor of XXXX. I filed a 30 day demand letter and contacted the XXXX XXXX XXXX and XXXX returned the money. 

citi however posted the XXXX to my account a second time. I have contacted citi bank XXXX times to return the money and since closed my account. They have not yet processed the return. I requested a refund for the yearly account fee that they had charged for the upcoming year since my account was closed. 

XXXX did not properly investigate my claim. They did not provide me the response from the merchant or contact me for more information. 

I am now also requesting a refund for the interest they charged for the invalid purchases posted to my account totaling XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 5 months = {$77.00} interest paid from the purchase posted by XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 2 months = {$31.00} Citibank also says they do not have the ability to return this interest and have been giving me the run around from department to department.

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 2023-12-14 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-14 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: AZ

Complaint narrative:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX Comenity Bank for Victoria secret started reporting a new closed account. It has the exact same open date, charge off status, credit limit, close date ... ect the only difference is it has a different account number. The one that belonged to me was number XXXX. The new second account ends in XXXX. I called comenity and they said in the system it shows I never had the account ending in XXXX. I was then told they can't do anything because there isn't an account to fix. I asked for an email or phone number to their credit reporting office and they said neither exist. I can only send a letter through the post office and wait. I don't want to wait it hurt my credit immensely. I filed a dispute through the reporting companies and they said it would remain on my credit. 

I have even paid the collection through XXXX for the charge off that was my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Per The FCRA as a Federally Protected Consumer, I am Opting Out of any and all Authorizations that I The Consumer may have given you written, unwritten, or verbal, and non-verbal. The law says it is Illegal to report XXXX history. 
Per 15 USC 6801-6805, PER 16CFR313, Per the Privacy Act 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX 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 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 2023-12-14 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 2023-12-14 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 2023-12-14 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:
My name is XXXX XXXX and I am formally requesting in writing for you to remove a hard inquiry on my Experian Credit Report. The hard inquiry XXXX was reported on my Experian credit report on XX/XX/XXXX. I never applied for any credit card or any other type of credit with XXXXXXXX XXXX on or around that date ( XX/XX/XXXX ). I did speak to several representatives at XXXX XXXX and they said that Experian needs to remove the Inquiry. When I spoke to Experian, they told me the business ( XXXX XXXX or XXXX ) is the entity that reported the inquiry to them ( Experian ). What is published on the credit report results from information sent over by the credit card companies ; Experian does not arbitrarily add any information on reports - everything originates from the business. After numerous phone calls and several conversations, I had with the representatives from XXXX XXXX, XXXXXXXX XXXX determined that I did not have any information on file with my name, social security number, address and date of birth - applying for a credit card on XX/XX/XXXX. When I initially called on XX/XX/XXXX, the representative at XXXX XXXX told me that someone tried to apply for a credit card using my social security number and that the application was denied due to insufficient data ( information ) -the representative from XXXX XXXX told me it ( removal of inquiry ) would be taken care of but apparently, it was not. The problem is that I am getting conflicting stories regarding how the " inquiry '' landed on my Experian credit report. Neither Experian or XXXX XXXX is being cooperative in trying to help me resolve this matter. Both entities keep blaming each other and I am in the middle getting nowhere. 

Update - When I faxed XXXXXXXX XXXX a letter ( attached ) with the information ( credit report ) they requested- they mailed me a response saying they can not process my request. XXXX XXXX is requesting on their letter that they want my account number- which I do not have since I never applied for credit! It appears that XXXX XXXX is denying the fact that I exist in their credit reporting system and Experian is saying they can't remove the inquiry since XXXX XXXX sent them the information- please help me fix this! The inquiry does not belong on my credit report.

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 2023-12-14 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: TN

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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After carefully reviewing my consumer report Experian LLC, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are in violation of my consumer report. I have a right to privacy and they have a RESPONSIBILITY that they have completely disregarded to keep my non-public information PRIVATE. the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition, 15 USC 6801 states that reporting agencys have an obligation to keep my NON-PUBLIC information private. Which is obvious XXXX XXXX has not. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never gave me the option to OPT OUT of credit reporting. With that being said Ill add that 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. Well Im opting out of credit reporting services IMMEDIATELY since XXXX failed to comply with the law and decided to SELL my personal information without my consent. Finally, 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency can report ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Which Ive never been convicted of a crime but XXXX should be for defamation. 


Experian, XXXX, and XXXX are in violation per 15USC 1681a ( 2 ) ( a ) ( i ) stating- the term consumer report does not include : all transactions or experiences between the consumer and the person making the report.

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