vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On 2020 XX/XX/XXXX my husband pass away I attached to this complaint a copy of his death certificate. 

Right away I make sure I contact Freedom Mortgage to make the assumption of the loan. Since I was always on the title. As XXXX tenants. 

The next step I did was filed an Affidavit of XXXX also made sure I provided you with a copy here. 

I was legally married to XXXX XXXX XXXX, My full name is XXXX XXXX XXXX XXXX, I provided a copy of my marriage certificate to this complaint. 

My nightmare started from there since Freedom Mortgage didn't respect that I was marry to XXXX and made it very hard for me to assumed the loan. 

I felt discriminated and was asked to submit my paper work many times and everytime they would say they would not received it. 

For the pass 4 months I've been blocked from my account. I have been sickout from the website. I been reaching out to Freedom Mortgage about this and they again have no answer for me. 

I've attached the attempts proof of me asking them for documents and not being able to get them documents. 

Since part of the process is to verify my identity. In the pass I was able to log in fine. No problem. 

In retaliation from Freedom Mortgage since I kept calling every month they decided to change with no permission from to not get statements. Which would of been impossible for me to do since I haven't had access to the account for months. Attached is the email they send me after they did that. 

Base on XXXX of XXXX XXXX my rights have been violated, since I have no access nor ability to see what I'm being charge, or what has been has been paid. Fair housing laws as well since I am XXXX this company has treated me very poorly and denied access to my loan.

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 2024-10-30 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-30 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am entitled to have my interest rate reduced on my accounts to XXXX XXXX per Louisiana statute 29:312.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my XXXXedit score and causing me a lot of stress

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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe I am the victim of Identity theft pursuant to section 605B, please remove the inquiries on my FTC 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OK

Complaint narrative:
My previous complaint against Chime via Consumer Finance Protection Bureau, Reference # cs XXXX, resulted in receiving an email from Chime on XX/XX/2024 saying they would be refunding the {$280.00} they owe me from XX/XX/2024, via the ATM that did not dispense the full {$400.00} amount, but only dispensed {$120.00}, and kept my {$280.00}, yet Chime withdrew the full {$400.00} amount of my XXXX paycheck that was direct deposited on my Chime card. I have fought with Chime, called them, emailed them, and they lie. Their email said they would be refunding via my Chime card, but since I closed my Chime card after this happened at the ATM, well before they emailed to say I'd be refunded, I assumed from my XXXX searches that I would be refunded via paper check by mail. I even called Chime 's support and they said it was in process in XX/XX/2024. I have yet to receive this refund and it is not XX/XX/2024. Where is my money? This should not be allowed to happen. Refunds should be sent immediately. It is now 5 months later and still no refund. They should be ashamed of themselves. I want my hard-earned money back immediately. I have attached a screenshot of the email they sent to me XX/XX/2024, and still no refund from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I joined a company on XX/XX/XXXX and paid by my Best Buy card {$490.00} with a promise that they would give me a card to use called a XXXX that would give me generous amount of credit back in an online store that they ran that was supposed to be like an XXXX store every time you used the card. I had no idea this was a scam. I was hoping to get the card before the holidays so I could get some XXXX gifts cheaper. The company never gave me, nor like XXXX other people the XXXX. They just kept sending out emails saying that it was taking longer than expected to do this because they had to align with banks and gave a boatload of excuses. They were doing this every month. In XX/XX/XXXX they changed the name of the company. This is when I called Best Buy asking to get my money back. They said they would put a temporary credit on my account while they investigated. On XX/XX/XXXX I got an email from the XXXX company saying they were terminating operations. I immediately contacted Best Buy again about the charge. They said they were still investigating. They asked me to fax any info I had. I did this on XX/XX/XXXX. I hadn't heard anything so on XX/XX/XXXX I called and talked to XXXX in security operations. He said they were still investigating. On XX/XX/XXXX I talked to XXXX in security operations. She said to make a police report. On XX/XX/XXXX I filed a police report and waited to get a copy of it in the mail so I could fax it to Best Buy. This was done by XXXX XXXX XXXX, XXXX # DSN XXXX. Evidence request number XXXX. I immediately called Best Buy when I got home, talked to XXXX and gave her all the police report info and told her when I got a copy of it, I would send it in. I didn't realize that the police were not going to send me a copy of the report so I went up to the police station on XX/XX/XXXX and got a copy of it and faxed it to Best Buy. I called right after faxing the police report and spoke with XXXX who confirmed that the police report was received. On XX/XX/XXXX they closed my case. I called Best Buy on XX/XX/XXXX when I received this info in the mail. I spoke to XXXX who re-opened the case. She said it was categorized as a fraud ... ..like a charge I did not make, not as a scam. In XXXX I got another letter saying they closed my case and now when I try to call they re-route my call so that I am hung up on. My original case ID was XXXX then changed to case ID XXXX on XX/XX/XXXX per 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
When contacting Equifax to unfreeze my credit, I followed all of the prompts in their phone tree, verified my information multiple different ways, spent ages going through it, and at the end, it gave me a confirmation that it would FREEZE my credit, when I had explicitly said I wanted to unfreeze my credit. Without giving me the option to fix this, the call was ended. I then had to call back four additional times to try to get through to an operator, three of which ended the call in the same fashion as before. I was only when I found some combination of options to select from the phone tree that avoided any mention of freezes that I was finally able to get through to someone who was able to do this. My understanding is they have a legal requirement to unfreeze my credit upon request, and their customer service setup makes it virtually impossible to do that, in a way that I have to imagine is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
RE : XXXX Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of Account - XXXX XXXX Balance XXXX Account XXXX XXXX Balance XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Email : XXXX Enclosures : Proof of identity Trafficking documentation

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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I have Transferred funds to my family back in XXXX through the App called Remitly and I suspected the Transfer and before the processing time and I even requested the Remitly to Cancel and Reverse the Transfer But they didn't Assured me that It will happened. ( They Mentioned that it may or may not happen ). As it was {$1500.00} and that was a big amount for me and i was expecting that need to be refunded me and the funds are not even reflecting on the Recipient bank. 

Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX INT Account # XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2024-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of an inaccurate late payment entry currently reflected on my Experian credit report. I have provided substantial documentation proving that my payments are fully up to date, and Experian 's repeated claims of " verification '' of this erroneous information constitute a blatant disregard for both accuracy and my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure that all information reported is **accurate, complete, and timely** ( 15 U.S.C. 1681e ( b ) ). Despite my extensive communication and submission of evidence, Experian has failed to comply with this federal requirement, instead choosing to maintain an inaccurate, damaging entry that has already caused undue harm to my credit profile. 

**This dispute has been ongoing for several months, and Experians failure to adequately investigate and rectify this inaccuracy constitutes a violation of my rights under the FCRA XXXX ** Specifically : 1. **Incomplete Verification Process** : The process Experian claims to have followed does not constitute reasonable investigation under FCRA guidelines XXXX The failure to incorporate provided documentation confirming on-time payments directly conflicts with Experians duty to perform a diligent review. 

2. **Violation of Consumer Rights** : Under 15 U.S.C. 1681i ( a ), Experian is required to delete or correct inaccurate, incomplete, or unverifiable information within 30 days. By failing to correct this erroneous entry, Experian is not only in violation of this statutory requirement but is also **jeopardizing my ability to secure necessary financial services**. 

I demand that this inaccurate late payment entry be removed immediately from my credit report, with written confirmation of its removal provided to me at the above address within **10 business days**

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 2024-10-30 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries :

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 2024-10-30 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-30 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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