vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: TX

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.

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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX  XXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
When I filed for a divorce from my now XXXX XXXX XXXX XXXX XXXX XXXX all of my bank accounts began to be drained. He told me I was to stop the divorce or Id be sorry. I was paying Experian {$24.00} a month to keep me somewhat safe? Nope. He took every XXXX  I had, and my business had in the bank. He even told on himself. Sending me a random text in XXXX XXXX XXXX I have the texts still. I was so confused. Where was all my money going. Welp, he told me exactly where it was going. He was stealing checks, forging my signature, and cashing them. He told me before I even figured it out.! I called Experian. I had the insurance so I was assured everything would be fine. They were so sorry such a thing could happen. Well, it did, over and over and over again!!!! Experian sent me paperwork, I filled it all out. Never heard one peep out of them. Now here I am, 5 years later, 6 separate accounts, 3 separate banks. All hacked, all drained. He took the last of my money in XXXX XXXX XXXXXXXX I filed a police report like always, I filled out the stupid affidavits. He stole over {$500000.00} from me in just that short of time. Nobody cares. My credit is in the toilet, I am now homeless because he took my name off the loan to our home back in XXXX. I had no idea. The lender wouldnt even speak with me. XX/XX/XXXX, I lost my home. Then XX/XX/XXXX I lost my business I had for 24 years. Just like he said I would. He took every single XXXX I had. Never paid any of the court ordered maintenance, and I was paying Experian for what exactly??? Nothing seemed odd when XXXX XXXX XXXX XXXX XXXX  was flying out of my accounts every single month? When I never. Ever did that.!! What was I paying for? I am XXXX, XXXX, and it would have been nice to be notified something was not right!!! I want Justice

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, my wife and I discovered 3 fraudulent checks that were paid out of our joint money market account. My wife is the primary account owner and I am an authorized signer on this account. We notified BECU immediately and they froze all of our accounts without even asking if we needed to make a withdrawal first to have cash to survive on. BECU requested a series of steps including visiting a branch to sign notarized affidavit of forgery, change online banking password, and change account number of account the fraud happened on. We complied with all these steps and BECU replaced the lost funds and unfroze all accounts for my wife. However, as of today XX/XX/XXXX, which is 30 days later, they have still refused to unfreeze my personal accounts. They claim it might be an error but they havent fixed it. I have called multiple times and been placed on hold for over an hour each time. They never sent ANY documentation at all about freezing my accounts or why they are still frozen. I have been unable to pay bills or buy food for an entire month and they are completely uncooperative and unhelpful about it. It is not fair to unfreeze the primary account holders personal accounts and keep mine frozen for the SAME fraud case. It was already determined to be not our fault and money was replaced. Please help BECU understand they cant treat their customers this way! I feel this is unfair discrimination because of my gender since this is the only difference between who they unfroze accounts for and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Manufactured home loan
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: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
XXXX weeks behind on my mortgage calling emailing threatening foreclosure ask to get an extension was told no the counselor was rude yelling and cursed one time telling me I need to learn how to handle my XXXX bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Subject : PenFed Credit Union - Mortgage Failure to perform due diligence of determining Condo ineligible prior to requesting Condo Questionnaire -resulting an unnecessary non-refundable expense by third party of {$490.00} On XX/XX/XXXX. I received a call from Loan Processor, informing Condo was ineligible for loan, based on XXXX XXXX rules related two multiple dwelling. 

XXXX Application Received XXXX Appraisal Requested and Paid {$580.00} XXXX Informed Appraisal reviewed and approved XX/XX/XXXX informed Condo Questionnaire required and paid {$490.00} XX/XX/XXXX received call Condo doesnt qualify for loan XX/XX/XXXX received call and spoke with PenFed informing Condo ineligible In conversations with PenFed the condo unit layout was described, and lease agreement submitted. Again it was never mentioned before requesting the Condo Questionnaire that the condo unit does not meet XXXX XXXX rules. 
It was reported that Condo would be my second home As a result, rate was recalculated on XXXX. 

I am seeking the following : Payment of {$490.00} - for prematurely requesting a Condo Questionnaire which unbeknownst included a {$110.00} Rush fee, when the denial decision was communicated prior to review of the Questionnaire. 

As a result of failure to perform due diligence, the Questionnaire should not have been requested and secondly I should have been aware of the {$110.00} fee to expedite. Closing was scheduled for XX/XX/XXXX. 

I strongly believe the {$490.00} should be at the expense of PenFed, for their mismanagement of reviewing all documents, and because it is through a third party, should not be mean PenFed can not pay or liable for covering the cost due to their neglect to thoroughly or timely review all documents.

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 monetary relief
Consumer complaint received 2023-11-22 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies.

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : XXXX. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
XXXX. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
XXXX. XXXX XXXX - Incorrectly reported premium payments as a collection on my credit file, with an inaccurate amount. 
XXXX. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by XXXX XXXX XXXX XXXX and TransUnion agencies. There are accounts are past the XXXX  years outdated and still being reported.

5. US Education - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

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 non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - credit plus - XXXX XXXX ( target ) - XXXX ( XXXX XXXX ) - xactus llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Tdbank ( target ) - XXXX ( XXXX XXXX ) - XXXX XXXX

Company response to consumer: Closed with non-monetary relief