vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: Contemporary Information Corp
State: TX

Complaint narrative:
On XXXX XXXX a Consumer Disclosure file. On XX/XX/2024 the company emailed a copy of the personal consumer information in their data base that reflected an eviction and balance of {$3000.00}. However on XX/XX/2024 the company responded and stated that they had none of my personal consumer information on file. I called on XX/XX/2024 to request a deletion of all inaccurate information and was again told that they had no consumer information pertaining to me in their system therefore my request could not be honored. However this is inaccurate as I have the consumer disclosure file that they had already sent. This issue has prevented me from pursuing happiness and is not fair to me in any way. Upon understanding FCRA 15 USC 1681 ( a ) this company is in violation and is party to libel, slander, and defamation of character. I have tried to settle this matter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
Pioneer Military Loans is not honoring Louisiana XXXX, Louisiana statute XXXX to my loan. I have provided the above statute on other loan companies and have credited my account and adjusted the new rate. Company states federal XXXX application notes but will not comply with state law Subsection A and onward A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
I bought my house in SC in XX/XX/XXXX with an FHA loan transferred from my original lender to Planet Home Lending. In XX/XX/XXXX, I got sick, which caused me to lose my job. I receive XXXX XXXX benefits, so I do have a small income. I was optimistic that I would find other work when I was back on my feet, so I continued to make my mortgage payments on time. Unfortunately, I utilized credit cards for different needs when funds ran low, and in XXXX of XXXX, when I still did not have a job, I applied for forbearance with my mortgage company. At the time of forbearance approval, I had not missed or delayed any payments since I bought the house. I was approved for forbearance extensions, and then the mortgage company issued a notice to accelerate on XX/XX/XXXX, with XX/XX/XXXX as the last day to pay the total amount owed. I spoke with someone in loss mitigation who advised me to fill out a homeowners assistance application on their website. I completed my application and uploaded all requested documentation to the online portal on XX/XX/XXXX. I got a notice on XX/XX/XXXX that, upon quick review, my application appeared complete and that I was protected from foreclosure proceedings while under review. On XX/XX/XXXX, I received a request for more documents with a due date of XX/XX/XXXX in order to prevent my application from being denied. I had all requested documents uploaded to the online portal by XX/XX/XXXX and have a screenshot showing the exact time and date. I did not hear or receive anything from them until I was served foreclosure papers in XXXX. 

I was under the impression that they must let me know in writing if an application for assistance is denied. I called to find out the problem, and they claimed they did not receive my documents from XX/XX/XXXX. Eventually, they quit claiming they weren't received when I sent them the screenshot showing when everything was uploaded. In XXXX, I was told that my application was going back to the underwriters for review so that foreclosure proceedings would be paused. Toward the end of XXXX, I began asking about the possibility of taking advantage of the new Partial Claim and Loan supplement program that was being launched on XX/XX/XXXX. I was denied the opportunity to speak with someone about it and told that no such thing existed. In my last two conversations with them, they admitted to me that foreclosure proceedings were initiated on XX/XX/XXXX, six days after I submitted everything and still one week before the due date. In my most recent conversation, I was told that the foreclosure was not filed wrongly because it was past the XX/XX/XXXX deadline, even though I had a complete application submitted. I got a notice last week that a hearing will be on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My account was randomly closed on XX/XX/XXXXXXXX XXXX XXXX. I had XXXX in my account. I contacted chime to see will i receive a refund. I spoke to different people who gave me different excuses. Until this day I still have not received a refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
My formal complaints are against XXXX  XXXX XXXX and ChexSystems. 


In XX/XX/XXXX, I left an abusive marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX young children, I was ecstatic to be able to go and open my bank account at my previous banker- XXXX  XXXX XXXX. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from ChexSytems, but that also was not true. 

Over the past XXXX and a half years I have submitted multiple disputes with ChexSystems for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and XXXX  XXXX XXXX. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from XXXX, XXXX, the new year of XXXX and now as of XX/XX/XXXX. 

Chexsystems insists they need a letter from XXXX  XXXX XXXX stating it can be removed. 
XXXX XXXX  XXXX insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to ChexSystems stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution ChexSytems and 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 2024-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX of XXXX  I began utilizing XXXX XXXX home internet. 
I was dissatisfied with my service and on XX/XX/XXXX of XXXX  I requested the account be closed & my services discontinued. 
On my call to end my services I was instructed to wait for a return kit to arrive via mail. A month later, I called saying that I did not receive a return kit. They let me know the kit would be re-sent. 
Two weeks after that call, I did not receive the proper return kit, and instead received a return kit for a tablet. That would not be safe to return the device in. So I called and indicated I did not receive the proper return kit. 
Eventually after playing phone tag and requesting the return kit multiple times, I received the proper return kit. Within one month of receiving the proper return kit, as specified within their return policy, I returned the device in excellent condition. 
I continued to be harassed with collection attempts despite doing everything in my power to return the device in a timely manner. I've been given a number of reasons and excuses for the continued harassment to include the following : - The XXXX warehouse has made a note on your account that the device has been received, but has not actually updated the device to be received and that ticket needs to be updated before the debt can be erased - The debt was transferred to MRS and XXXX is no longer responsible for the debt collection - XXXX needs to update their system before MRS can eliminate the debt. 
- MRS should be able to eliminate the debt because of the notes that are in the system.

( After being told this, for five hours I was being bounced between departments and everyone was saying they couldn't help me. ) And most recently I was told " The device was not returned within 30 days of the service discontinuing '', which would have been impossible because I did not receive the proper return kit within thirty days. 

I've been told numerous times that I am all good and the debt should go away in the next billing cycle. It has yet to happen. It's causing me so much undue stress and irritation, I just want it to stop. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
Your new servicer XXXX  is unwilling to investigate my complaint and is stating under RESPA and Regulation X they don't have to address a duplicate matter, but they have failed to resolve the matter. Furthermore, XXXX is instructing me to follow up with the former servicer, XXXX, but the last servicer is telling me to work with XXXX. 

I have provided the ACH information that was requested from my last CFPB complaint # XXXX and XXXX/Cross Country has failed to investigate the matter with XXXX, the third-party payment processor they use to collect electronic payments from XXXX XXXX  XXXX. Furthermore, XXXX is stating the XXXX XXXXXXXX XXXX ACH trace information provided is insufficient, but doesn't explain what additional details are still needed. 

The customer relations specialist handling my case has never returned my calls or my emails despite stating in her letter it is the best way to reach her. 

This continual lack of real customer support from Cross Country Mortgage is an attempt by the mortgage company to not refund the additional mortgage payments as I have worked to get the information requested from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-15 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Company got my information without authorization from myself and now i have a inquiry from them in my credit report. This 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 2024-05-16 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:
I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.

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 2024-05-15 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information 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 Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.

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 2024-05-16 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: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX  I went to RightWay Auto in XXXX, MI trying to buy a car. While checking my credit, they made several hard inquiries on my credit report instead of doing one soft hit. I feel like they have violated my credit report by doing so and I would like to dispute those inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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