vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
XXXX, Experian, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed 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 explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
It was XX/XX/year>, when I signed the contract with XXXX XXXX, eager to secure my new investment property. The seller agreed to cover the title fees and recording fees through their affiliated title company, XXXX XXXX XXXX. Additionally, they offered a 2.5 % concession toward closing costs. I thought I had a great deal. 



As the closing process began, my loan was approved by XXXX XXXX - Homebridge Financial, but with a twist. The lender only allowed 2 % of the seller 's concession, citing XXXX XXXX XXXX guidelines for investment properties. 



At closing, the title company applied the 2 % concession towards my costs, as agreed. But just as we were about to finalize the deal, the lender unexpectedly put a hold on funding. They claimed I needed to pay the title fees, totaling {$4800.00}, despite the initial agreement stating the seller would cover them. 



I was shocked. My broker intervened, clarifying that the agreement and local customs dictated the seller pay these fees. We even provided evidence from XXXX XXXX XXXX guides supporting our stance. But the lender refused to budge. 



With no other choice, I reluctantly wired the additional funds, feeling I was being forced to overpay by {$4800.00}. We had to re-sign and close with new documents on XX/XX/year>. I couldn't believe the lender 's insistence had cost me extra money, despite the clear agreement and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
On XX/XX/2024 I checked my credit with all XXXX credit bureaus, and found there was a collection account on my credit record from XXXX XXXX. I disputed first with XXXX and XXXX as Equifax was not reporting it as of yet. I also disputed it directly with XXXX XXXX, filed a police report as I was told by XXXX that they used my name and social security number but used a different address. An address in which I have never lived at and my driver license doesnt even state that false address that was used. I provided all supporting documents to XXXX XXXX and within a day they sent me back a response stating that they found that I was not responsible for that fraudulent account and they were going to report this to the credit bureaus. Now I checked today and now Equifax is reporting that collection account on my credit. In which they have no proof to link or no verification to link me to that account. Because when you open up a wireless account you need to provide ID and secondary verification, in which it was impossible for the thief to have provided that when I have never reported that address that they did. And I have never open account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Purchased New + Additional Warranties for XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cancel some warranties ran concurrent with XXXX supplied warranties!?! On XXXX, Notified XXXX XXXX XXXX XXXX XXXXXXXX that I would be filing Fraud Complaint for non-payment Cancelled Warranties '. Received Phone call from XXXX XXXX XXXX XXXX, Whom assured ME all requested Warranty Cancellations processed same day submitted! Looks like Finance XXXX may have sent check to XXXXXXXX XXXX, instead of XXXX? Next I contacted Hunington National BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Spoke with agent? XXXX? She told me they did not get Check until XXXX. XXXX Months in XXXX or Same Day as conversations with XXXX XXXX, via Electronic Funds Transfer! Told XXXX, XXXX or both LYING neither taking responsibility!?! Believe Amount of check received is {$3500.00} which is Amount that would be DUE if paid out XX/XX/year>. But I XXXX Check was sent by XXXX XXXX on XXXX to Huntington National Bank ; it is XXXX MONTHS OF INTEREST Short!?!?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and XXXX evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX chase bank restricted my account after i got an ach deposit from XXXX they sent me an email after restricting the account stating that. Ive been calling them and they been giving me the run around they told me i would have to wait 5-10 business days for the account to close and then another 7 for them to mail me out my remaining balance which is about {$700.00} in total. Now they tell me they are investigating the deposit and they wont tell me when they will release my funds or even tell me why they closed the account out, the ceos assistant called me and told me they are holding my funds in suspense and that thats all the information she can give me, with no information on when they will mail out my remaining balance in a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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 a consumer in law and being ignored about this fraudulent information you are reporting. See attached.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I recently received XXXX different correspondences for XXXX different debt collections under the company Brock & Scott , PLLC XXXX XXXX XXXX XXXX. Upon reviewing the correspondence, I requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

Brock & Scott , PLLC XXXX XXXX XXXX XXXX sent me what they believe is validation of debt owed of the accounts, however by doing that it was found that XXXX Brock & Scott , PLLC XXXX XXXX XXXX XXXX failed to include companys permit number of collection agency on the stationery/correspondence form ( copies attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX. All collection agencies identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( XXXX, XXXX XXXX, s. XXXX ; XXXX, XXXX XXXX, s. XXXX ; XXXX, c. XXXX. ) Brock & Scott , PLLC XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. Attached is the entire Article XXXX. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance who specializes in the Collection Company general statures, they confirmed that any stationery or form correspondence with debtors must contain the permit number of collection agency. The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Brock & Scott , PLLC XXXX XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been calling TransUnion on listed number on their website but I get the computer system talking then it hangs up after I enter my information and social security number, I have been trying to lift the freeze on my credit since XXXX but unable to do online because it tells me that it can not retrieve the information at the moment then I cant reach a live agent to speak with even the chat system they have disconnect, it has been very frustrating and upsetting that I am stuck with the freeze I put on my credit since XXXX of this year due to a scam, I hope you can assist me in resolving this matter, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
I paid an XXXX XXXX  for the agreed upon amount and the company refuses to provide official receipt of payment. The company refuses to provide a letter stating they will update my credit report to accurately show the debt paid. I am a XXXX XXXX XXXX veteran facing homelessness because I can not be approved for a home loan without receipt that this was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX checking account was closed after submitting complaint XXXX & resulted in bank not submitting mortgage payment to XXXX XXXX Lakeview Loan Servicing on time due to unauthorized change to overdraft protection and removing account funds. On XX/XX/year>, I saw the XXXX mortgage payment recorded on my account with next payment due in XX/XX/year>. I used myloans.net to make a payment of {$100.00} to my principal to stay ahead. On XX/XX/year>, I discovered an error that my XXXX mortgage payment and my {$100.00} payment were reversed. LakeviewXXXX then assessed a penalty of {$30.00} prior to mortgage statement due date of XX/XX/year>. LakeviewXXXX lists the fee as {$21.00} if payment received after XX/XX/year>. Lakeview/XXXX  needs to remove the {$30.00} fee & follow their own fee structure listed on the mortgage statement. I also need to know why they reversed a {$100.00} payment from XXXX XXXX. Thank you for your time.

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 2024-09-11 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: CA

Complaint narrative:
I became aware that my personal information had been compromised and used without my authorization. As a result, I have identified several unauthorized accounts and fraudulent transactions linked to my identity. 

To assist in resolving this issue, I have taken the following steps : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained a copy of the Identity Theft Report. 
Filed a police report with my local law enforcement agency Placed a fraud alert on my credit reports with the major 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I live in XXXX and because of the Lending laws in XXXX this debit is null and void and un collectable. XXXX caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be 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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.

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 2024-09-11 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: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation