vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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 recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Current Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Incorrect Previous Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Incorrect DOB - XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-04-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$2200.00} XXXX XXXX, {$500.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( Inquiry ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX WI, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX ( Inquiry ) These inquires and collections do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$2200.00} XXXX XXXX, {$500.00}, XXXX XXXX 

XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX , XXXX ( Inquiry ) XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( Inquiry ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Inquiry ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX WI, XXXX ( Inquiry ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX ( Inquiry ) These inquires and collections do not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Complaint resolved About my account of XXXX and the XXXX payment.

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 2024-04-16 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: GA

Complaint narrative:
I followed up on my credit report on the day of XXXX XXXX, 2024 and saw that the account XXXX XXXX XXXX ( XXXX XXXX  XXXX ) credited my account of {$9800.00} dollars without my permission. That account shouldn't be on my credit stating the law 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions. 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

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 2024-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My father-in-law passed away and left us ( wife and I ) the house and my wife ( his daughter ) is on the quit claim deed. We requested Loan Assumption paperwork and was sent it. We mailed it back on XX/XX/2024, overnight with signature requested. Received notice on XX/XX/2024 that the paperwork was never received. Called Mr. Cooper and they sent out new paperwork and we filled it out and emailed it back on XX/XX/2024. Today ( XX/XX/2024 ) received a latter in the mail saying that they didnt receive some paperwork so I called and they said that the paperwork needs to be signed by the seller ( which is my father-in-law ) who is deceased. Not sure how a dead man can sign paperwork. I have talked to the VA on multiple occasions and they informed me to file a complaint as Mr Cooper is not following the VA guidelines, which is what I am doing now.I have talked to multiple people at Mr Cooper and get different answers. Never get the same answers and can't talk to anyone in the assumptions department. I was told that they ( assumptions department ) don't talk to customers. I have proof that the paperwork has been sent in 4 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
the consumers name on the account is not his name this account, XXXX XXXX XXXX, It is one first name no middle name. This name does not even appear on the report need to be fixed was make with out me knowing it was going too for the police public business that collects personal information about consumers shall disclose pursuant to Section 1798. 130, the consumers have the right to deletion of consumer personal information there's no court order filed greeting you to hold this on my report your violating my consumer privacy right as to Section 1798.130, According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ALL THE HARD INQUIRIES I HAVE reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable

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 2024-04-16 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: IL

Complaint narrative:
the consumers name on the account is not his name this account, XXXX XXXX XXXX, It is one first name no middle name. This name does not even appear on the report need to be fixed was make with out me knowing it was going too for the police public business that collects personal information about consumers shall disclose pursuant to Section 1798. 130, the consumers have the right to deletion of consumer personal information there's no court order filed greeting you to hold this on my report your violating my consumer privacy right as to Section 1798.130, According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ALL THE HARD INQUIRIES I HAVE reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I won an American Express gift card in the amount of {$2500.00}. I was saving the gift card until I needed it and when I went to use it I realized that the card wouldn't work. I then called AMEX and they said that even though the card wasn't expired that the funds had been turned over to the state and the purchaser of the card was contacted and asked what he wanted to do with it. The purchaser of the card just worked for the company that i won the prize for he didn't spend his own money to buy the card. This person told AMEX that he wanted a check mailed to him in the whole amount. He basically stole the money from me. I would like to try and get this money back since it was rightfully mine and since the card didn't expire yet. This person should also be accused of a felony in the amount of the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
The loan originated as a pick-a-pay predatory loan with XXXX XXXX in XXXX. After being transferred to XXXX, then XXXX XXXX, the loan was transferred to Servis One, XXXX BSI Financial for servicing, and the assignment was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, on behalf XXXX XXXX XXXX XXXX The true ownership is unpublished. In early XXXX, I identified that Servicer BSI Financial failed to apply ( 3 ) payments of {$3500.00} to my account balance, added {$1200.00} additional fees, and they refused to provide an explanation of where the funds were being applied or a legible accounting. In XX/XX/XXXX, while BSI Financial was entering into a consent agreement with the Consumer Financial Protection Bureau, Consent Order No. XXXX, I filed suit against the servicer as BSI failed to provide a proper accounting and had committed several RESPA and TILA violations against me. In XX/XX/XXXX, I identified that the missing funds were placed in unapplied funds for 18 months, from XX/XX/XXXX until XX/XX/XXXX. 
To this day, BSI is continuing their conduct of violating state and federal regulations, including XXXX CFR XXXX ( c ) ( XXXX ), by improperly billing my account, by adding an enormous amount of fees and costs, {$260000.00}, that are unreasonable and unverified to my account balance and payoff statement ; placing a " cease and desist '' order on my account and failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX, failure to accept loss mitigation package for review ; moving for foreclosure judgment or order of sale, or conducting a foreclosure sale in violation of XXXX ( g ) or ( j ). BSI has also violated their own consent order with the Consumer Financial Protection Bureau, ADMINISTRATIVE PROCEEDING File No. XXXX dated XX/XX/XXXX by CFPB XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, BSI Financial provided a payoff statement showing the amount of arrears as {$38000.00}, and {$74000.00} was added in litigation fees and costs. On XX/XX/XXXX, Servis One, XXXXBSI Financial, provided a proof of claim to the XXXX XXXX Court for XXXX XXXX XXXX # XXXX, in the amount of {$130000.00}, consisting of {$38000.00} mortgage arrears, {$11000.00} escrow, and {$74000.00} attorney fees and costs. BSI Financial has recently added {$270000.00}, claimed as their litigation fees and costs, to my loan balance for the loan that originated as a {$200000.00} XXXX XXXX loan in XXXX. They have also threatened to continue to increase their fees until they take all of my equity. The payoff demand is approximately {$470000.00}. BSI is justifying this demand for enormous fees and costs solely by the original note with XXXX XXXX, the loan that was deemed predatory by XXXX XXXX XXXX. These fees and costs have prevented the California XXXX XXXXXXXX XXXX from providing assistance and bringing the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported Charge-off is inaccurate. A charge off denotes canceled debt, which the IRS recognizes as ordinary income. Despite the company filing it on their taxes as such, it's erroneously reported as debt on my credit profile. Despite requesting a XXXX form, there has been no response. Hence, I urge the removal of this erroneous " Charge-off '' from my credit report, as it contravenes the 15 U.S.C. 1681.

Not including this account is inaccurately reporting a balance for a closed account. I request its Immediate removal off my credit report. 

XXXX XXXX XXXX Account # : XXXX Reporting Balanced Owed on Charged-off Account : {$330.00}

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please check the documents that I've sent. There are inaccurate late payment remarks that I want removed and updated to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Called in to a representative and reported unauthorized transactions. She said she need to cancel my card. I expressly stated to not file a dispute. I made it clear to not file a dispute. I made it clear she didnt even have my address to send me a new card. She clearly stated that the card was active. I stated I had over XXXX accounts I would be forced to update. I did not want to have to do this because my daughters birthday was in XXXX week and her presents and gifts would not be delivered because they were attached to that account. I made it clear I would close all accounts if my card was closed because it was directly against my wishes and asked her one more time to verify if my card was active. She confirmed I said I would call back in to file a dispute. Within minutes I got a notice that my card was deactivated against my express wishes. A dispute was put in with only XXXX transactions, which is about XXXX short of what was taken so there is no point in filling a dispute because 90 % of the transactions are missing which means I need to do it all over again. The incompetence is just staggering. I have no way to access my money. My daughters birthday gifts will not be delivered. I had returns in excess of {$2000.00} that now will not be eligible to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please check the documents that I've sent. There are inaccurate late payment remarks that I want removed and updated to positive.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please check the documents that I've sent. There are inaccurate late payment remarks that I want removed and updated to positive.

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