vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Received verification/ Letters / EMAIL that XXXX XXXX  XXXX XXXX XXXX, XXXX  has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!! 
15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!! 
ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!! 
THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!

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 2024-02-14 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: TX

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
I am writing to request an update to my address in your records. I need my address to be updated to : XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX I kindly ask that you remove all other addresses associated with my account, as they do not belong to me. 
Furthermore, I am filing a complaint regarding the failure of credit bureaus to update my address despite repeated requests. This recurring issue has caused inconvenience and potential risks to my credit profile.

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.

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 2024-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Negative reporting without my consent privacy and consent.

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 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
XX/XX/2023 a hard inquiry from XXXX was added to my credit report. I do not recognize or have any knowledge of this creditor. I would like the hard inquiry removed from 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 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
During the XXXX  year, I have sent an additional {$200.00} ( or approximately {$2300.00} ) with my Rushmore Servicing mortgage payment to cover any potential escrow shortfall. The additional money sent, was more than enough to cover any potential increases in insurance and taxes so as not to have the mortgage payment increase the subsequent year. 
To my surprise, in midXXXXXXXX XXXX I received a call from Rushmore Servicing informing me that I had a mortgage shortfall of {$740.00} and that my mortgage payment would increase. 

I have called Rushmore Servicing several times to have them review their escrow calculations. The customer service representatives who handled my phone calls could not resolve the issue. I then requested to speak with a supervisor or manager in order to review with him/her their escrow calculations against my detailed spreadsheet, which depicted my payment and extra escrow payment breakdown, to rectify this mistake on their part. 
No phone calls were ever received from a supervisor or manager. 

Hence, the reason why I am submitting this complaint to humbly ask the CFPB 's to assist me in rectifying this subject matter with Rushmore Servicing Mortgage Servicer. 


P.S. My detailed spreadsheet is attached. 


Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX PH : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

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 2024-02-14 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: NY

Complaint narrative:
My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
There are multiple credit inquiries on my report that are incorrect. My student loan amount has decreased and is not reflected on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these fraud items in my credit file : 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

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 2024-02-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America won't issue a replacement card and refuses to release my unemployment money! It's been XXXX months and Bank of America refuses to remove the block on my XXXX benefits card. I have almost $ XXXX on that card and am unable to pay bills, groceries and any necessities! I have been asking family and friends for help because of this form of abuse and have contacted the attorneys in XXXX XXXX who filed a class action lawsuit against BofA during COVID-19. My dog is XXXX ill and I can't pay for an emergency vet visit thanks to Bank of America placing a hold on my card! This is unacceptable and I promise that all XXXX will break loose, if he does NOT recover because I can not get him the help he so desperately needs! I am asking again for the uptenth time for my funds to be released and an expedited card to be sent out to my mailing address. I am going through XXXX XXXXXXXX and XXXXy, major financial distress and XXXX due to being unable to make my utility payments in time and buy food for me and my dogs. Bank of America has completely destroyed my credit score since I have been using my credit card to pay bills and have exceeded the limit already. Please help!! Time sensitive!

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 2024-02-14 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:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

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 2024-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase sent an email to me XXXX about potential fraud on my accounts, saying they have restricted the account and may close it soon. I did not see the email and did not get a text or notification through their app. On XXXX I received a notification about funds being below my warning threshold. I opened the app and saw a negative balance on my main savings account, as well as my checking, and the two savings accounts I share with my children. I called the bank and they grilled me with questions about whether I opened my accounts online or in a branch. I said some date back to XXXX  and they were all opened in the branch. Apparently someone hacked their system and tried transferring my funds into an online account, but Chase won't confirm. I have not given my account information to anyone, and I had my debit and credit cards in my possession. I did not discuss my bank accounts with anyone prior to them getting hacked. 

I called again on XXXXXXXX  and spoke to the fraud claims dept. On XXXX we opened new accounts in our local branch, but they advised they could not help get our prior balances transferred over to the new accounts and that we would have to deal with the Claims Dept to get a cashiers check. I called again on XXXX for Claims Dept at XXXX and was transferred to their Depository Review Dept. On XXXX I called back for Depository Review and spoke to XXXX. He said I would have money in XXXX or XXXX bus. days. I called XXXX and again XXXX. The last time after talking to Depository Review I was transferred to XXXX in Customer Service. He said he could see a check charge on XXXX meaning they were processing cashier checks and I would have funds in 11 to 14 days. We are now 21 days past that date and I still have not received funds either by an account transfer or by cashier checks. 

Each time I've called I've spent 30 to 75 minutes on the phone and have received no answers, just told that they are escalating the situation and referring to the " Back Office. '' Still no refunds as of XXXX, a month after the fraud was detected. Between all 4 accounts that the bank restricted, we had over {$73000.00} but have had no access to our funds. I've asked to speak with a supervisor or manager and have been turned down each time. I have not had access to my funds for a month now and have bills that need to be paid. My kids need their rent money etc. while in XXXX. This is our life savings and it's ridiculous that Chase is holding our funds hostage after I've called and visited the branch so may times, and answered all of their questions.

Company response to consumer: Closed with explanation