vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union & Equifax will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Hard inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : 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 non-monetary relief
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union & XXXX will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Hard inquiries : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
Please see the attached documents. Do not close this complaint stating that it is not me. I am a natural person and a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Self Financial Inc.
State: FL

Complaint narrative:
I have recently received a copy of my credit report. The report had an account listed. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 

I am writing this to you in an effort to get this removed. Please delete this information from my credit reports. I have never had an account with Self company. If someone has opened an account in my name, please close it immediately before further harm is done. 

I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 

This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never received my middle class payment from the XXXX XXXX XXXX. 
i reached out to the XXXX and they said i had to speak directly with the company that was issuing the payments on their behalf. 
I reached out to Money Network and they explained that the card had been mailed to me and that the balance was XXXX. 
i explained that i never received it. 
They said they would look into it. They said they will not reach out to me, but that i had to reach back out to them in 6-8 weeks. 
i just tried to contact them and can not speak to a person unless i have a card number to enter into their system. 
i can't do that as i never received the card. 
i did receive a 1099 from the XXXX stating that the money was sent to me. 
I NEVER RECEIVED IT!! 
i am reading about a lot of fraud with these cards,. 
Please help me. The amount was {$700.00}

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 explanation
Consumer complaint received 2023-12-19 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: MS

Complaint narrative:
This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account : 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 non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
At the time of purchase, our original mortgage was with XXXX. 
On our original loan, we were making payments on time regularly. 

We were made aware in XXXX of 2023 via mail from XXXX that impounds were being incorrectly calculated by XXXX while they held the loan. 

XXXX was now assuming our loan from XXXX, but XXXX noted that XXXX should have been applying approx {$900.00} to the impound account rather than the {$500.00} they had been applying for quite some time before selling our loan to XXXX. 

XXXX insisted I pay approximately $ XXXX immediately to bring the loan into compliance, and to avoid delinquent reporting. 

Although this large unexpected expense was a severe hit to our budget, we complied. 

To have a blank slate, and to avoid further confusion as to where monies were going, we created a new bank account with XXXX for any future mortgage payments. 

We made the update of the new account on their secure website. 

We did not take a snip-it/screenshot of the confirmation since it would be recorded on their site. 

Though we had made this change, XXXX continued to auto-deduct from the original bank account but said we were not making the payments. 

We had the confirmation we were paying via our XXXX personal banker 's records. 

Upon our informing XXXX of this, XXXX stated that there was a glitch in their system, yet chose not to correct their error. 

This latest error ( " Glitch '' ) was only discovered when the city sent us a tax bill claiming non-payment of the very same taxes that were rolled into our mortgage. 
We were fuming now! 

This is how we learned of their error in not allocating our payments correctly. 

All of this was taking a huge toll on our budget in addition to XXXX taking my spouse out of work as well. 

XXXX sold our mortgage to XXXX, and we continued to make our payments as directed. 

We feel that we were improperly informed of factual changes and errors that put undue stress and hardship on our family. 

XXXX. The new assessment for the house. 
XXXX. A subsequent tax increase. 
XXXX. Disclosure of newly allocated monies regarding principal, interest, and taxes. 
This coupled with the fact that they were not making payments to the taxes, and not applying the appropriate funds to the correct places. 

By now, we were so very happy that XXXX sold our account but they never applied our last payment they had pulled from the old bank account, kept the funds, and reported to XXXX that we were 2 months behind, ( which was an untruth ) This forced us to make payments totaling 3 months ' payments to XXXX to rectify the mistake of XXXX. 

We never got any more refunds or information detailing the payment they had taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. Equifax and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( Equifax and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. Equifax and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I reached out to Cardinal Financial Company on XX/XX/2023 on reducing our mortgage to below 6 % interest under the Servicemember Civil Relief Act due to an upcoming XXXX. The service desk asked me to submit information to XXXX and that they would get back to me. I did so and did not receive a reply. 

I reached out again on XX/XX/2023 and contacted Cardinal Financial. they informed me that they DO NOT have to comply with SCRA standards due to them operating in the state of Georgia. They asked that I wait to receive a letter from them about my application. 

On XX/XX/2023 I received a letter from XXXX XXXX dated XX/XX/2023 from the research department with the original request that I submit information to XXXX. 

I then attempted to contact the research department with the phone number detailed in the letter but the line was dead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A person that I had long lived with opened several fraudulent accounts in my name, including with Bank of America. I did not know of its existence until a credit report was run. I then confronted the individual who opened the account. I have disputed the account with Bank of America directly multiple times now, but they are insistent the account is mine. I have requested information that convinces them of this, but they haven't done that. I filed reports with the local sheriff 's department, the credit bureaus, the FTC, and the FBI. By now, most creditors have acknowledged this and closed and deleted the fraudulent accounts from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened my account with Citibank less than 4 days ago and I have not been able to use the funds I deposited. I wanted to know why I cant even view my debit card number or even send a XXXX payment. I was told that my account was placed on a fraud hold. When I asked why I was told the reason is in a letter which will be sent to my address which I am currently not there because its the holidays. The said letter takes more than a week to arrive. Meanwhile I am still not able to access my funds until that letter is received. I have asked to close my account, transfer my funds, and all Ive been told was that I have to wait more than a week for that letter to arrive. I wouldnt even get a reason for the fraud hold all I was told was that that letter includes the reason and that I need to call back. I have never had this experience with any bank, ever, I am having my funds withheld from me for no apparent reason. No one I have talked to can give me a reason as to why my account is being restricted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by 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 non-monetary relief