vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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:
I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this account these in my credit file : XXXX XXXX XXXX : {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: IN

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2024-02-07 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I do not know English, so I use translation. I used a home loan. However, I met with the company 4 times through a translator, but I could not solve my problem. I want to open an account online and follow up on my credit. They say they will open it, but they do not open it. I have paid extra money for 2 months, but I have not received statements, so I can not open my account. I can't see it online. My name is XXXX XXXX. Loan number ( sent by the company ). XXXX zip code. 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution.

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers.

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account.

Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue.

Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account.

Implement measures to enhance the security of my account and prevent future occurrences.

I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter.

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} 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 non-monetary relief
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
Mohela, my federal student loan servicer, has repeated ignored my Income Driven Repayment Plan ( Save ) eligibility of {$0.00} monthly payment, based on my current income and family size set by the Federal government and the Federal Student Aid Office of the U.S. Department of Education. They have admitted that " they are working on my account to correct this error '', but with success and my account is in delinquent status at this time. Also, I am on the Public Service Loan Forgiveness ( PSLF ) Program and I believe that I now am eligible and qualify for loan forgiveness, since I have been employed by eligible PSLF employers ( non for-profit hospitals ) for 13 years and 3 months as a XXXX XXXX XXXXXXXX XXXX XXXX Mohela 's, customer service representatives has continuously made mistakes with reviewing and processing my PSLF Forms by reporting they have been processed already or they are duplicate forms, specifically XXXX XXXX XXXX, which I have worked for as an XXXX XXXXXXXX XXXX XXXX for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX for 4 years ( XX/XX/XXXX to XX/XX/XXXX, XXXX ; various hospitals during the height of Covid-19 for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; and XXXX XXXX for 3 months ( XX/XX/XXXX to Present ). Overall, based on my 13 years and 3 months Public Service work history with eligible PSLF employers, I have gain enough qualifying payments for loan forgiveness, which Mohela is overlooking and delaying at this time. Furthermore, time is of an essence before they cause me financial ruining and a potential negative credit rating with all credit bureaus right now due to their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
I submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less XXXX days. Thank you for being attentive to this matter.

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 2024-02-07 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: FL

Complaint narrative:
I submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less 10 days. Thank you for being attentive to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized inquiries on my credit report. Despite my efforts to maintain the integrity of my credit profile, these inquiries continue to adversely affect my financial standing. 

I have previously disputed these unauthorized inquiries through your bureau, providing evidence of their unauthorized nature. However, they remain on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into these unauthorized inquiries to validate their legitimacy. If found to be unauthorized, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once the unauthorized inquiries have been removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within [ mention a specific timeframe ] and provide a designated contact person for further communication. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/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 2024-02-07 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
absolute resolution is attemting to collect on and unverified account and falsifying data on the account by reaging account and payment history. also, deleting and reinserting account on my consumer 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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
Subject : Unfair Account Closures Cash App Dear consumer finance bureau, I am writing to bring to your attention a recurring issue with Cash App, a service I have attempted to utilize for financial transactions. Despite diligently completing the verification process for each account I try to open, Cash App has repeatedly closed my accounts without providing clear reasons, causing significant inconvenience and frustration. 

Timeline of Events : 1. **Account Opening Attempts : ** On multiple occasions, I have attempted to open an account with Cash App for legitimate financial transactions. I have consistently followed the verification process, providing all required information and documentation promptly. 

2. **Verification Compliance : ** I have diligently adhered to Cash App 's verification requirements, ensuring that all submitted information is accurate and in line with their policies. 

3. **Repetitive Account Closures : ** Despite my efforts to comply with Cash App 's verification procedures, each account I open is summarily closed by the company. Regrettably, no clear explanations or details are provided for these closures.

**Concerns : ** 1. **Lack of Transparency : ** Cash App has not communicated transparently regarding the reasons behind the repeated closures of my accounts, leaving me uninformed and perplexed. 

2. **Inconvenience and Frustration : ** The frequent closures of my accounts have caused considerable inconvenience, disrupting my ability to engage in essential financial transactions through Cash App.

3. **Impact on Reputation : ** These account closures may have unintended consequences on my financial reputation, potentially affecting my ability to utilize other financial services. 

**Requested Resolution : ** I seek a thorough investigation into the reasons behind the recurrent closures of my accounts with XXXX  XXXX. Additionally, I request clear and detailed explanations for each closure, enabling me to address any concerns or discrepancies promptly. 

I trust that the XXXX XXXX XXXX will facilitate a fair resolution to this matter, ensuring transparency and accountability on the part of Cash App. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2024-02-07 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: AR

Complaint narrative:
This account do not belong to me please remove it from my credit file

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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is an issue with lender BMO Harris Bank, residential mortgage loan # XXXX. This loan is on our primary residence. During the fall of XXXX, our mortgage rate adjusted increasing our monthly mortgage payments significantly. We worked with the BMO and they directed us to their loss mitigation department - the process was extremely tedious, time consuming and we had to provide over 100 documents. After the laborious process, BMO approved a forbearance program in which currently are. The approved letter of forbearance is attached. As of XX/XX/XXXX, BMO is again requesting over 50 additional documents to assess our situation and we are providing the documents as we gather them. 

However, despite being in an approved forbearance program, BMO is sending us letters of breach and default and threating us with foreclosure. Please see the 2nd attached letter. 

BMO continues to give us a very hard time with their tedious processes and the same time is causing confusion and harassment while allowing an approved forbearance plan and sending threatening debt collection letters simultaneously. It is extremely frustrating to work with BMO - we landed in this unfortunate situation because our original lender Bank of the WesXXXX was acquired by BMO.

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