vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-17 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:
I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes.

In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.

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 2024-06-17 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: CA

Complaint narrative:
As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.

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 2024-06-17 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: MI

Complaint narrative:
I have for 28 years been a customer of XXXX XXXX Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted XXXX XXXX, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2024-06-17 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: TX

Complaint narrative:
I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am writing to file a formal complaint against American Express ( Amex ) regarding their deceptive practices and failure to provide access to a credit card account that I was approved for under false pretenses. On XX/XX/2024, I applied for the XXXX XXXX American Express Card while making a flight purchase on the XXXX website. After completing the application process, I received an email from Amex confirming my approval and providing a link to access my new card information. However, when I attempted to access this link to obtain my card number and details, the page encountered an error and did not display the requested information. Frustrated by this technical issue, I contacted Amex customer service for assistance. After multiple transfers and lengthy hold times, I finally spoke with a supervisor who informed me that, for security reasons, I could no longer access my card information through the provided link. The supervisor offered no alternative solution or means to obtain my card details, effectively rendering the newly approved account inaccessible to me. I expressed my dissatisfaction with this situation, as I had signed up for the XXXX Amex Card with the explicit purpose of using it to book travel through XXXX before seats became unavailable. The supervisor 's response was dismissive, stating that nothing could be done to resolve the issue. Amex 's actions constitute a clear violation of the following : Truth in Lending Act ( TILA ) : By approving me for a credit card account and then failing to provide access to the account information, Amex has violated the TILA 's requirement to disclose accurate and complete information about the terms and conditions of the credit account. 

Fair Credit Billing Act ( FCBA ) : The FCBA requires creditors to promptly investigate and resolve billing disputes. By refusing to address my inability to access the approved account, Amex has violated this provision. 

Unfair or Deceptive Acts or Practices ( UDAP ) : Amex 's conduct can be considered an unfair or deceptive act or practice under the Federal Trade Commission Act, as it involved deception and caused substantial injury by denying me access to the credit account I was approved for under false pretenses. 

I demand that Amex take immediate action to provide me with the necessary information to access and utilize the XXXX XXXX American Express Card account that I was approved for. Failure to do so will result in further legal action and the escalation of this complaint to the appropriate regulatory authorities. Please respond with a resolution to this matter within 14 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am over XXXX XXXX XXXXXXXX XXXX XXXX US citizen. 
Marcus bank, a notoriously Racist bank, refused to open A CD for one year at 5 %, for being a XXXX XXXX  XXXX XXXX 
I ask you to order this corrupt and Racist bank, Marcus bank, to, immediately open my one year CD for one year at 5 % for {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I simply wanted to speak to a customer service representative because I had some questions about the payoff quote. I tried every possible phone number to get a real person and everything in their automated system just keeps going in a circle. If you ask for a representative or agent, it asks you to provide a reason why you are calling and the circle starts all over again. It appears from what I'm seeing online as this is a common problem/tactic of this company to never let you speak to a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have called multiple times to creditors and mailed letters to creditors to get issued resolved. These accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Flagstar Bank for their failure to fulfill their obligation to pay our property tax on time and the subsequent financial burden they have imposed on my family. 

In XX/XX/year>, Flagstar Bank was responsible for paying our property tax to XXXX County, with the understanding that we would reimburse them immediately. However, the bank failed to deliver the check in a timely manner. After a thorough investigation, we have obtained proof that the parcel number XXXX : XXXX, sent on XX/XX/XXXX, was never delivered to the XXXX County tax office, according to their logbook. 

Meanwhile, we fulfilled our end of the agreement and sent the amount owed to the bank on XX/XX/year>. Despite our timely payment, the bank 's error led to the County not receiving the funds. Consequently, we believed our account was up to date, while the bank held onto our money without paying the County or raising any concerns. 

On XX/XX/XXXX, four days after the payment cutoff, the County sent a letter to the Bank requesting the property tax payment with an additional penalty. The bank paid the tax and penalty on XX/XX/year>, and subsequently charged us numerous fees, including the extra amount paid to the County. 

Since XXXX, we have attempted to resolve this matter amicably with the bank, emphasizing that we met our obligations and the bank 's negligence caused delays, penalties, and back-to-back fees. However, the bank 's escalation managers, including their highest-level office, have continuously ignored our efforts to address the issue. 

In our quest for resolution, we contacted XXXX and created case XXXX to ascertain the status of the initial check sent on XX/XX/year>, as bank escalation managers accused the XXXX County tax office of making a mistake. XXXX XXXX at the XXXX County tax office ( XXXX ) can confirm that they never received the check, as per their logbook. Unfortunately, XXXX can not provide further information, as they require details such as the invoice number or a copy of the label, which only the bank can provide. 

As long-standing customers of 11 years with an impeccable track record of timely payments, we are dismayed by the bank 's conduct. Flagstar Bank has exploited its position to intimidate, harass, and discredit us by reporting us as delinquent customers to 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 explanation
Consumer complaint received 2024-06-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-17 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: CA

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.

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