vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I closed on my home at XXXX XXXX XXXX in XXXX, IL for {$170000.00} ( put {$20000.00} down ) with CITIZENS BANK. The appraisal done at the time showed a value of {$270000.00}. I purchased the home from family for {$100000.00} less than they paid for it due to it needing a number of repairs due to negligence since purchase approximately a year and a half before. I didn't notice at first I was being charge PMI insurance at first, which is entirely my fault, however I shouldn't be charged PMI insurance when the bank ordered appraisal shows a value of {$270000.00} and after downpayment I only owed {$150000.00}. That puts me significantly over the 80 % XXXX. 

I have called Citizens Bank more than 10 times in the past year and a half trying to get this issue resolved. I was given the phone number of XXXX for a PMI specialist known as XXXX, whom called me, left a voicemail once, and when I returned the call, received no answer. Over the next few weeks, I left at least 3 voicemails requesting a call back to get this straightened out and have not received one call back. 

I have called Citizens and spoke with a representative whom told me that according to " their records, '' at the time I only had 13 % equity according to the appraisal of {$170000.00}, which is how much I paid for the home. When asked for proof of that appraisal, she replied, " I'm looking at the appraisal now, '' but when I informed her I also had the appraisal and it showed a value of {$270000.00}, she replied, " oh yes, I'm also seeing {$270000.00}, '' and told me she would have a specialist reach out, and promptly hung up on me. No specialist ever reached out.

The most recent call, approximately one week ago, the rep for Citizens told me she, " saw the note regarding the PMI complaint '' and would forward me to her supervisor. I sat on hold for approximately 10 minutes when she said the supervisor would prefer to call me directly than be transferred, I confirmed my cell phone number, agreed that was fine, and the call ended. No supervisor ever returned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of 2023 I sent dispute about incorrect addresses listed on my credit report. I have one address. Attach included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: HW Holding, Inc
State: MD

Complaint narrative:
We agree once they got in contact with me to make XXXX dollars a month payment. They still sent my information to credit knowing I'm pay8ng on what we agree. Also my consent was not given for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: 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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 explanation
Consumer complaint received 2024-09-07 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: MD

Complaint narrative:
I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting. 

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: MD

Complaint narrative:
I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: MN

Complaint narrative:
Following my last complaint with you guys and US Bank, they sent me a note informing me that they would not be sending me the applications for my credit cards that were involved with the fraud and that Id have to get a judge subpoena for it. This whole time Ive asked for the information in regards to how they came to their conclusions, some documents pertaining to the investigation and then applications and transactions with the cards and questions. Ive received some statements, but they arent duplicate copies and Im suspicious of them anyhow because the logos look funny the margins dont line up all the way and Im getting notifications on my computer that the spreadsheets that they gave me for tax time Are being edited. I would never edit all transactions that I have to report to the IRS so either they got something to do with it or Im just got one hell over hacker on my computer that just wants to win. Please see the attached documents.

So let me just get a checklist here, youve admitted that theres been fraud on my account including my debit card, but you havent taken any action to find out who it is and it continued to happen on the XXXX and the XXXX or whatever it was. You report to the agencies that the accounts are closed, but theyre really not there. What you say are there in the process but the process has been lasting longer than 10 days the investigations are still going on and youre still making changes as we speak.. fin records are being edited and not furnished in relation to my identity theft. Do anything about this or are we just gon na keep playing the circle jerk? 

I came up underneath bridges and in drug houses. I know scammers and I know liars and I know cheats please if youre gon na try to play games with me and lie and scheme. Im gon na be all over it.. I could smell that stuff a mile away. Youre lying techniques and manipulation techniques are extremely juvenile and elementary. The problem is you guys have become your money and youve put the doing the right thing right behind your own personal pride and greed. dont ever ever ever talk to me about leadership dignity respect and heres a good one integrity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
The company promises to transfer the money promptly and they charged 8 dollars for the transfer. They give locations where recipient should present the reference number and be paid. My recipient presented to the bank and was told he can not get the money unless he opens an account. He could not meet this requirement and they denied him the money for three days.

On contacting MoneyGram, they agreed to refund the money minus the charges paid. My question is why charge for a service not completed? The company failed to provide information about the requirements of the bank where they were to send the money. 
Why is this company allowed to behave this way? Had I sent a large amount, my loss would have been more than the XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
HI, I am oveer XXXX years old, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

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 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 non-monetary relief
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
HI, I am oveer XXXX years old, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

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 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 {$850.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-09-07 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: AR

Complaint narrative:
I Have so many inaccurate information and incomplete information and i want Experian to fix it or delete the account from reporting on my credit report for its hurting me and i deserve an accurate credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: MD

Complaint narrative:
I applied for a rental home and was subsequently denied because of information from Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unaware of any negative rental history so I request validation of the records released to XXXX. XXXX XXXX XXXX that caused my denial. I am requesting full disclosure of my reports and files held on me for me to exam. I will be holding each company civilly liable.

Company response to consumer: Closed with explanation