vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
My mortgage loan number XXXX, from the XXXX XXXX XXXX XXXX, I received an email on XX/XX/XXXX  that my account is transferred, Your mortgage for XXXX XXXX XXXX, XXXX, FL XXXX was officially transferred to Valon Mortgage on XX/XX/. You're still a XXXX customer, but as your new mortgage servicer, we'll be your point of contact for managing your mortgage. ( ( XXXX ). 
I, XXXX XXXX XXXX XXXX, have made advance payments with XXXX XXXX XXXX until the month of XXXX, I only have the payment left for XXXX XXXXSend an email with the XXXX XXXX XXXX account statement by email on XX/XX/. ( XXXX ) I also contacted customer service number XXXX. I asked them to audit the account, to send me the conditions of my mortgage contract, they told me that I have the same conditions as my original loan. and they told me that they would send me that information, I have not received it.What I received from them on XX/XX/, a Notice of Intent to Foreclose letter. I contacted them by phone, I asked them to please solve the problem, I told them that on XX/XX/XXXX  I would send them the account statement, they contacted me with the supervisor named XXXX, she told me that she would do a review, then He calls me and tells me that I have to make a payment of {$3400.00} to stop the Notice of Intent to Foreclose initiation process. I told her that the payments were made and that I only owed the month of XXXX, she stated that I have to pay the XXXX dollars, I told her that she could only pay the month of XXXX, which is XXXX, I went to the bank and made a wire transfer for the aforementioned amount under the XXXX XXXX XXXXXXXX XXXX. 

I requested that you send me the updated account statements, my payment history, a copy of the transfer letter of the mortgage on my house from XXXX XXXX XXXX to valon, a copy of the terms and conditions of my loan, to verify if I have the Same as my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: VA

Complaint narrative:
ATTN : TRANSUNION RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt 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 2023-12-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe
State: MA

Complaint narrative:
I am trying to pay off my loan with River Valley Loans and when I contact the customer service representative, they hang up on me. This happened after all three attempts .There is no online option for paying off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Dear sir, I would like to complain on my credit report prepared by a credit report company, Experian, especially on the section of XXXX XXXX. From XX/XX/XXXX of XXXX, an extended fraud alert was on this companys credit report. Before this alert was on, I have complained to this company addressed XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, the written so-called statement XXXX XXXX XXXX XXXX : I AM CURRENTLY ON XXXX XXXX XXXX. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT - -. THIS ALERT WILL BE MAINTAINED ON FILE FOR XXXX XXXX BEGINNING XXXX. 

On these complaints, I tried to dispute that I was a XXXX nationality and from my birth year, this XXXX XXXX alert should not be written and added by me, because, clearly, a XXXXXXXX XXXX  would not serve the United States in the military. However, this company, Experian, deleted the information of birthdate last week, about XX/XX/XXXX of XXXX. And I would like to add my comment, maybe, this Experian considered I would apply to be the United States citizenship after the duty of military and possibly the education as a benefit of service. Therefore, since I have education which reached as a XXXX XXXX candidate of XXXX XXXXXXXX XXXX, a holder of XXXX XXXX XXXX and a currently pursuing another XXXX XXXX, I should understand myself that this Experian want me to be a citizen of the United States and agreed I was serving in the XXXX. However, I am not in the XXXX and living in XXXX XXXX, XXXX XXXX with my family. As the end of this complaint, I would like the attorney of XXXX XXXX to request the deletion of the statement part of military duty from my credit report of Experian and submit the reason of addition of this part and who requested it. 

Sincerely,

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot claimed that my Home Owner Insurance lapsed on my property and they had to add Home owner insurance to my account. My insurance has never lapsed since I have been with Loan Depot. My Insurance XXXX has never sent a Notice of Insurance Lapse to Loan Depot. Furthermore Loan Depot stated, that the coverage provided might not match what I currently have. This has happened twice for no reason. I was never asked to provide proof of insurance by Loan Depot after my initial Loan approval. 
My Insurance has never lapsed as XXXX has confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is alleged to engage in misleading conduct vis -- vis the bank regulator. The initial paragraph of the communication dated XX/XX/2023, purports that the bank possesses the discretionary authority to close accounts, among other prerogatives, as articulated in the provision entitled " XXXXr Right to Refuse/Close Accounts. '' This provision states, " The Bank reserves the right to refuse to open any Account and to terminate any Account at any time, and for any reason, or no reason without notice to you ( unless notice is required under applicable law ). '' However, it is contended that this provision pertains exclusively to the banking relationship. The undersigned expresses a reluctance to perpetuate said banking relationship should the bank exhibit a disinterest in facilitating business transactions.

The focal issue pertains to the mortgage and loan agreements, constituting a contractual nexus between TD Bank, the lender, and the undersigned, the borrower. The undersigned avers continued adherence to the stipulated obligations within the loan agreement, remitting timely payments as required. Notwithstanding, it is alleged that the lender is engaging in discriminatory practices by impeding online mortgage payments, ostensibly motivated by the unfavorable status of the banking relationship.

It is underscored that the loan agreement executed by the undersigned does not confer upon TD Bank the unilateral authority to modify the terms of the loan, a standard feature in XXXX XXXX XXXX XXXX XXXX loan agreements. The undersigned asserts a lack of proper channels for communication with the lender, encountering redirection to the demarketing department when attempting to engage with the loan servicing department. The perceived discriminatory treatment is vehemently contested, as the undersigned claims innocence of any wrongdoing.

Furthermore, the undersigned contends an inability to receive correspondence through mail, highlighting a deficiency in the delivery method, specifically citing the absence of proof of delivery in the case of prior statements dispatched via regular first-class mail. The undersigned disputes having consented to exclusive notice delivery through first-class mail. The lender 's representations at the loan agreement 's inception purported that online payment and viewing facilities would be accessible.

In light of the alleged inadequate servicing of loans and efforts to position the loan in default, the undersigned respectfully implores the Consumer Financial Protection Bureau  ( CFPB ) to intervene. The request is for the CFPB to compel TD Bank to transfer the loan to an alternative servicer, premised on the asserted animus towards the undersigned as a customer, deemed to contravene the Fair Housing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 2023-12-18 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist has been our bank for over 30 years. Around XXXX, we discovered fraudulent charges being made to our debit card. The money was returned, and all was well. We decided it was time to switch banks, because the customer service was horrific and much more difficult than it should have been. The bank account was frozen, so no debits could be made. We moved our money out of the account and we were told that the account was closed. It is now mid XXXX and we are getting notices about overdraft fees. The banker will not show us what the fees are from and what charges were made. We will not pay blindly. All we are asking for is to see the charges. If they are charges done by us or bills in our name we will gladly pay it. We will not pay overdraft fees that were accrued from the account after it was supposed to be closed.

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 2023-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given an AMEX gift card as a XXXX gift from my work. I've tried to use my AMEX {$200.00} gift card on a multitude of websites and it declines every time without fail. I've checked the balance and know for a fact that it has money on it. Granted, no longer {$200.00} as every time I try to use it, it charges a XXXX cent pending fee. So it can do that, but for some reason can't just work. 

I tried calling AMEX and received no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc.
State: OR

Complaint narrative:
After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. 

EXPRESS COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This debt was paid as agreed, when from paid on time on XX/XX/2023 to 30days late in XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a double charge on my account thought I was getting help from chime customer service and it was a scam, had me downloading a app gave me a code to put in then started screen recording my phone sent {$950.00} to they self and blocked me.I had got paid Thursday night Friday it was gone and chime is no help this happened XX/XX/XXXX today is the XXXX I sent over a lot of information to them

Company response to consumer: Closed with explanation