vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-21 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.

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 2024-11-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX//2024, and I have not yet received a response.

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 2024-11-22 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: CA

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-22 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-11-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
In XXXX of this year 2024 I was told by my mortgage company XXXX XXXX that my home value increase property taxes of {$810.00} will be added to my mortgage, and payment will increase from {$1300.00} to {$1400.00} across the loan of XXXX remaining. I called in immediately, the representative told me they can not do anything at this time and someone will contact me back to go over the details. I told them at that time I'd pay the taxes owed so my mortgage won't change. I was then told to wait to pay it, and someone will call me to set up the payment. No one called back after a week past. During this time I was in a car accident and after XXXX weeks past, I received a letter stating that my mortgage company has changed to XXXX XXXX. I was going through doctor visits, procedures, and was in very bad condition to pursue the process of the new mortgage company, and to find out if the issue was resolved. I then saw the amount never changed and {$1400.00} was my new expected mortgage payment to XXXX XXXX. This increase will add an additional {$45000.00} to my mortgage. They added it without my knowledge that they were selling my loan. Now my new mortgage company is looking to charge me this illegally set mortgage payment. I need action to be done to correct this and put back my mortgage where it should be at {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX XXXX ...., XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from Transunion, XXXX, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.

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 2024-11-22 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: NY

Complaint narrative:
I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, Equifax, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, XXXX, and Experian. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.

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 2024-11-22 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: FL

Complaint narrative:
i am a victim of identity theft, i enclosed report and complaint with the cfpb that negative infornation has placed on my report due to individuals or group using or my information to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. AMERICAN CREDIT ACCEPTANCE XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICED INCORRECT INFORMATION LATE PAYMENTS I DIDNT AUTHORIZE THIS INFORMATION TO BE REPORTED AND I BELIEVE IT IS INACCURATE UNDER SECTION 605 ( B ) OF THE FCRA IT ILLEGAL TO REPORT INFORMATION ON MY CREDIT WITHOUT MY PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have taken all required steps to resolve the Cash App issue on my end. However, I received an email from the IRS Advocate stating that my Social Security # remains linked to the Cash App database, despite me submitting the 1099-K form of my employer 's from Cash App to the IRS, and the issue remains unresolved. For the record, those funds reported, should not have been linked to my Social Scuirty number ; at account setup, I deleted my personal information and setup the account under my employer 's name and EIN number as required. The unresolved issue had led to considerable hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Dear Westlake Service Inc, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : Westlake Service Inc, dated XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. 

This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. 
Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. 

If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. 

Please confirm in writing that the inquiry has been removed and payment will be made. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please see the E mail I wrote to the bank regarding the issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Combined Account Statements Dear XXXX XXXX I am writing to express my concern and dissatisfaction with the recent decision to combine the statements for two of my personal checking accounts. This change has caused significant inconvenience and disrupted my ability to manage and provide accurate financial records for both personal and business purposes. 

As a longtime valued customer of Bank of the west for 29 years, I have always appreciated the services. However, since it changed to BMO I ran into a lot of issues. One of them is combining the two checking accounts into a single statement that I never requested. This has created challenges, particularly when I need to provide separate statements for my personal transactions as well as my business. The merged statements do not align with my record-keeping practices and have made it difficult to comply with documentation requirements for tax purposes, audits, or any other issues I kindly request that the accounts be returned to separate statements as they were previously with Bank of the West Additionally, I would appreciate your guidance on how this issue can be promptly resolved without further inconvenience. 

I trust that BMO values its customers ' concerns and will take immediate action to address this matter. Please feel free to contact me at XXXX XXXX XXXX should you need further information or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank closed my account and I asked for the reason and they said because I made too much payments and used to much the card and they took also my rewards

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 2024-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Midland Mortgage is purposely delaying an endorsed check of {$35000.00} which was delivered to them on XX/XX/year>. This amount was sent by our insurance company for for siding and gutters replacement. Roofing repairs, which are a part of the same claim, have already been completed with the first check of {$14000.00}. From XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> Midland representatives have provided inconsistent, misleading and false information. After numerous phone calls and escalation, it was advised on XX/XX/year> that the check was endorsed and it would be mailed out on XX/XX/year>XXXX  and was even provided with a new tracking number than the previous one provided. 
We later received a phone call on XX/XX/year> stating there was an error in the inspection ( that was performed by a Midland representative ). Midland is now stating that 100 % of the roofing, siding and gutter repairs have to be completed in order to release the funds. However, the documents that Midland requires states the exact repairs, amounts and draw schedule. I was told that there was still no available supervisor, and was transferred to a voicemail where I left a message. 

After not receiving a call back from a supervisor, I called again on XX/XX/year> and spoke with a representative who stated that there was no supervisor available but was speaking with someone who was helping her. The representative first asked what the minimum amount needed was to start repairs. After I advised that the whole amount was needed, she stated they could send {$22000.00}. I again advised that we need the full amount. I also relayed the additional damage being caused to the home, which caused Midland to give a counteroffer of {$25000.00}. I agreed to this amount because work HAS to be started as soon as possible. No one has been able to give clear, correct information about what is going on and why our funds are being held unnecessarily. 

We have submitted every piece of information that is required. Somewhere, there is a disconnect and the documentation is not being clearly read. Midland is unfairly delaying the shipping of this check, which is causing unnecessary damage to the property as we await further repairs. Again, Midland is not following their own policies.

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