vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I received an offer from my current motgage lender Mr. Cooper for a home equity loan and started the process and provided all the documents then XXXX XXXX the loan agent said I need to take my home out of trust for a month as they don't do that but inorder to complete the loan they need to have me do it. I hired my attorney to do it for me and when I tried to reach XXXX XXXX, his assistant XXXX and his manager XXXX and his back up XXXX by text, emails, and calls I could not get a response. Finally I contacted my first mortgage loan people and they got XXXX to call me back. XXXX XXXX even got calls and texts and emails from me before he took a week vacation and still no word. XXXX promised me this would be done by mid-XXXX since I had provided all the documents and once the property was out of trust it was ready. The truth per XXXX is they need my home out of trust for six months and can not do the loan until XXXX or later. I feel they lied and their tactics were fraudulent and deceitful. I now must find a different lender to get this home equity loan done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
XXXX Called my bank before XXXX to tell them I was closing on place I sold and if there would be any problems with the amount or wire coming through, I was reassured there shouldn't be any problems, within a few hours the wire is available in my Sofi bank account. 
From XXXX I was purchashing a new mobile home ( used ) from an individual and ran into the problem of only withdrawing a max limit a day so I withdrew {$1000.00} cash at atm 's and debit card purchase of {$6000.00} daily for money orders. 
On XX/XX/XXXX I learned my account was Frozen because of wire transfer was only reason I've been told, I was asked who XXXX XXXX was and because I was so close ( i live in a small town ) ran by the title and abstract company that did my closing and confirmed XXXX XXXX is the closing attorney. I also gave SoFi his phone number to verify. My account is still being reviewed by the fraud dept and customer XXXX  reps refuse to transfer me to anyone beyond them. My paycheck is also direct deposited into this account which i get paid today and they said all incoming deposits will not be effected, I just can't have access to my paycheck or the money from the sell of my mobile home! Please help! I opened a new checking account on sat. XX/XX/XXXX so when this freeze has thawed out! I'm transferring it immediately. In the meantime I have no where to live until I finish paying individual for my new place, no money for hotel and not even gas money to go back and forth to work!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-19 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: IL

Complaint narrative:
I contacted Trans Union and informed them that I had not authorized any inquiries to be made on my credit. I had not given anyone permission to pull a credit report. Trans Union agent informed me I needed to obtain a police report. I am unable to obtain a credit report from my city as no account was established as a result of the inquiry and no monetary damages were done. The following inquiry is unauthorized : 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-19 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: FL

Complaint narrative:
I open a HELOC acct # XXXX with I XXXX XXXX XXXX XXXX on XX/XX/year> and they have it reporting wrong on my Experian Credit Report under revolving taking away from my ultilization Per law the HELOC is secured by your home and XXXX is designed to exclude the HELOC from credit Ultilization and it needs to report under Real Estate Please Fix. I SPOKE WITH XXXX XXXX XXXX XXXX AND THEY SAID EXPERIAN IS REPORTING IT WRONG INCLUDING IT IN MY ULTILIZATION PLEASE FIX.

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 2024-06-19 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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 ordered an updated credit report recently while applying for a loan and discovered a previous home address, a few accounts, and several inquiries I do not recognize. I have filled a police report locally # XXXX, an FTC report # XXXX, and a completed Identity Theft Affidavit that was notarized detailing all disputed items as mentioned, along with a full-color copy of my driver 's license, social security card, proof of residency, FCRA 605b documentation ( 2 ) pages, and my individually typed letter to each credit reporting bureau recapping my dispute and incident reporting of the accounts/details of the information that should be removed from my reports within four business days of an alleged identity theft incident. 

I have sent all of this to Equifax, XXXX, & XXXX, and as of today ( XX/XX/XXXX ), only XXXX has complied with the law and provided overly substantial proof of my claims. My family is on the verge of closing on our very first home this upcoming Monday, XX/XX/XXXX. The urgency of this situation can not be overstated. These listed accounts below are incorrect and should be removed promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of today ( XX/XX/XXXX ), XXXX is the only bureau that has done anything about this. Both Equifax and XXXX have not complied with the FCRA605b law/standard to do so in 4 business days, even though they have been in confirmed receipt since XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I am writing to seek assistance regarding a personal loan of {$1200.00} that I obtained on XX/XX/year>, to complete my tuition. The loan was disbursed on XX/XX/year>. Since then, I have been charged {$80.00} every XXXX weeks, totaling approximately {$160.00} per month. I have never missed a payment and have paid about {$1600.00} so far. 

Currently, I wish to clear all my debt, but the lender states that I still owe : Payment Amount : {$1000.00} Billing Cycle Charge : {$85.00} Principal Contribution : {$980.00} I feel this is unfair, as I have already paid more than the original loan amount. Despite my attempts to contact the lender via email, I have not received any response, and the bi-weekly deductions continue. 

This situation has become too burdensome for me. I urgently need your help to resolve this matter. 

Attached are the contract and my last payment details for your review. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I never resided at the address on the XXXX XXXX XXXX accounts. I believe someone else used my identity to get apartments with my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CL Holdings LLC
State: GA

Complaint narrative:
I never resided at the address on the XXXX XXXX XXXX accounts. I believe someone else used my identity to get apartments with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year>, I contacted Experian credit agency regarding 4 fraudulent accounts that appeared on my credit report. I open an investigation and upload a copy of the FTC report, police report, and proof of identity. Within a week I was notified by Experian that these accounts were verified and remain on my credit report. My complaint todays are to report Experian for not completing a full investigation. These accounts were open without my consent and did not authorize these requests. Due to be taking pride in my credit I sent XXXX money. I'm requesting that these accounts be deleted from my credit report as soon as possible and update my credit report. XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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 2024-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As a longtime Citibank credit card customer with a XXXX  over XXXX, i took them up on their offer for a 4.25 % savings account and transferred {$46000.00} on XXXX from my XXXX account. On XX/XX/XXXX, i tried to transfer XXXX for a large home improvement back to my XXXX account and had gotten a Account Blocked message for over a week on their self service portal as of XX/XX/XXXX. After talking to the agent on XX/XX/XXXX, learned it was a potential fraud block and would take 24 to 48 hours. Many days later on XX/XX/XXXX, i spoke to an agent and then a supervisor ( XXXX- who would not disclose her last name ) and they told me the only thing i can do is pay {$17.00} for a wire to get my own money because the free service online for up to $ XXXX was not working- she did confirm there was no longer a fraud flag on the account despite getting a " Account Blocked '' message when trying the transfer for the XXXX time. The supervisor would not waive the fee and said that was all they could do however they then passed me to technical assistance where someone verified my information and would put through the transfer and i should see it within the hour. On XX/XX/XXXX the funds still did not appear and the transaction is not even on the Citi account. Therefore on XX/XX/XXXX, i acknowledged the {$17.00} loss and transferred all of my money back to XXXX at a loss. This is not right, poor customer service, and failure to give me access to my own money after spending countless online attempts and multiple calls to Citi 's customer service line. 

Savings Acct # : 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

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 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