vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need XXXXwo documents for identification and current address. Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance. For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need two documents for identification and current address. Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance. For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
They are not showing all transactions online or on statements. My credit card is used with XXXX to pay XXXX. I placed order and then cancelled it. XXXX refunded to XXXX. XXXX shows that XXXX charged {$23.00} on XX/XX/XXXX and XXXX refunded {$23.00} XXXX XXXX. Citibank Wayfair MasterCard DOES NOT show any transactions on those days and no transactions for that specific amount on any other days or transactions totalling that amount. So, they have to be breaking the law by not showing all transactions? Plus they are so slow to show transactions. If I use my card to make a purchase with my other credit card it shows same day. Citibank takes 2 to 4 days before they show up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXXXXXX XXXX  Dated : XX/XX/XXXX  Account name : XXXXXXXX XXXX Dated : XX/XX/ Account name : XXXX XXXX XXXX XX/XX/2022 has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After many, many letters that have been mailed and uploaded to Experian, they have not removed addresses that are inaccurate. The most recent letters mailed to Experian were sent on the dates XX/XX/2023, XX/XX/2023, and XX/XX/2023. Still, they have not removed the inaccurate addresses. Letters sent to Experian on these dates are attached. They have blatantly ignored every single letter sent. 

Experian 's website will not allow me to dispute the incorrect personal information ( please see attached ). The website directs me to upload or call instead. Well, the phone number leads me to speaking to a robot, and I have uploaded my disputes every single month over the last 6+ months, and I have been IGNORED! Experian is not correcting my credit report. They are allowing inaccurate data and information to be reported which is illegal!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX on report is showing I'm delinquent 30 days which is incorrect. XXXX has stated I'm not 30 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from TransUnion, XXXX, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by TransUnion is " Closed, '' while XXXX and XXXX report it as " Paid. '' TransUnion reported a " Charge account '' account type while XXXX and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while TransUnion and XXXX both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from XXXX, Experian, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by XXXX is " Closed, '' while Experian and XXXX report it as " Paid. '' XXXX reported a " Charge account '' account type while Experian and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while XXXX and Experian both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Mortgage Servicer, Mr.Cooper, is engaged in dual tracking. Ive submitted a loan modification in XX/XX/XXXX, which they originally marked as complete. Then, they decided it was not, and then decided to require more documentation. The requested documents are award letters regarding unemployment benefits, and supplemental food assistance, SNAP, benefits. I sent the letters I received from both those agencies, 3 times. The documents from the agencies are the only available documents addressing those benefits. I recently sent over the award letters, with supporting documentation, bank statements on XXXX  I also learned, in a phone call to Mr. Cooper on XX/XX/XXXX, that they have begun the foreclosure process, as of XX/XX/XXXX. The loan modification is still open and pending, however. Mr , Cooper, call center representative, XXXX, admitted they Mr.Cooper is dual tracking, pursuing foreclosure with a pending loan modification. To my knowledge, dual tracking was prohibited as of XXXX XXXX XXXX 
Additionally, I believe the company is simply requiring more documentation to keep the modification open until the sale date is set. Also, on XX/XX/XXXXXXXX I spoke with a Mr Cooper Representative by phone, who stated an investor was requiring more documentation. This seems to suggest that Mr. Cooper had already offered my home for sale, during a loan modification process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation