vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
a year ago, I applied for a mortgage and everything went smooth, but we decided to wait a year then this year we tried again, and the lender says he cant pull my Equifax. I called my Equifax and they say I must not have used credit or am not a XXXX XXXX  but Ive had an auto loan and two credit cards for four years, I asked what to do after that and they told me to write a cover letter, explaining the issue with my information and I sent that in and its been over a month no reply. Ive talk to my auto loan Lender and they confirmed they have been reporting to Equifax and the other credit bureaus with the right information, Ive called over 20 times just to get the same response that Im not a XXXX  or dont use credit. When I pull up my XXXX XXXX it even says theres an issue pulling up latest equifax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: MA

Complaint narrative:
I am reaching out to revisit the matter concerning a hard inquiry on my credit report, which transpired without my explicit approval. Following an exhaustive examination of my credit file, I uncovered an unsanctioned inquiry into my credit history, leading to the inclusion of so, e hard inquiry entries on my credit report. 

XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-21 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: MD

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 2023-12-21 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: MD

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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America concerning an incident that I believe constitutes a violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC. On XX/XX/2023, I deposited a cashier 's check into my account at Bank of America. Despite the nature of the instrument being a cashier 's check, which typically warrants a shorter hold period due to its near-equivalent status to cash, Bank of America has placed an extended hold on these funds, with a release date set for XX/XX/XXXX. 

This extended hold is considerably longer than the standard timeframes outlined in Regulation CC, which generally requires XXXX XXXX to make funds from cashier 's checks available within one business day after the deposit is made. The delay in the availability of my funds has caused significant inconvenience and potential financial hardship, as I am unable to access my own money. 

I have attempted to resolve this issue directly with Bank of America, but have not received a satisfactory explanation or resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter. It is my understanding that the CFPB is committed to ensuring fair and lawful practices in the banking sector, and I believe this situation warrants such attention. 

Please find attached relevant documentation, including the deposit receipt and any communication I have had with Bank of America regarding this issue. 

Thank you for your attention to this matter. I look forward to a resolution that upholds the standards of banking regulations and protects consumer rights. 

Sincerely, Attachments : Deposit Receipt, Correspondence with Bank of America

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 2023-12-21 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: MD

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 2023-12-21 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: IL

Complaint narrative:
XXXX, Transunion, XXXX, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also XXXX, Transunion, XXXX is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
My ( and everyone 's ) loan was in forbearance during COVID until XX/XX/2023, but I kept making payments the entire time. Once that date was passed, I was charged interest again, which I fully expected. The payments I made for XXXX, XXXX and XX/XX/2023 included the newly accrued interest, and it was shown on the MOHELA website ( at that time ) how much of my payment went to each. The total interest I paid for this period was about {$800.00}. In XXXX, MOHELA placed my account in forbearance again due to a government sanction on them regarding fair practices. When I went to check on making my XXXX payment I looked at the previous payments out of curiosity. MOHELA had changed my previous 3 payments to show that the amounts I paid all went toward the principal. This would have been OK, except my principle amount did not decrease by the full amount of the payments, basically making my {$800.00} in interest payments " disappear ''. When I called to ask about this error, the ( intern ) agent couldn't find or access any records to show how my payment was allocated to my account and simply offered me a refund of the disputed amount. I declined and asked to speak to someone in accounting who could look up exactly how my payments were applied. I was transferred and left on hold for 164 minutes with no answer, then the phone system hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I filed CFPB complaint XXXX against USAA on Monday the XXXX and believe that I have been retaliated against by members of the USAA staff for doing so. 

Immediately after filing the aforementioned complaint, USAA stopped offering me the ability to verify my identity over the phone by sending a six digit text to my cell phone. All departments are now requiring me to enter a code from the " token '' on the USAA app. However, when I provide them with the token on that app, they inform me that this is the wrong code and that they are going to disconnect the call. 

I have reached back out to the department of the CEO ( who IS able to verify me via text message. ) They told me that they are not aware of a situation where a client would only have ONE verification method offered to them, because, under ordinary circumstances, there are backup questions that have been offered. I am not being offered any backup questions. I asked the representative from the office of the CEO how we can resolve this. She advised me that if I go to usaa.comXXXX I can upload a color copy of my driver 's license. I asked if this meant that I will no longer need to enter a security code when I call in, and she said it would NOT do that. I stated that I didn't understand how this would help my problem. The representative did not have an answer to provide me. 

I believe that after filing a complaint with both USAA and the CFPB, a member of USAA 's staff illegally modified the settings on my account to make it impossible for me to access support from USAA going forward as retaliation for filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I received mails from my bank and and others that it seems like someone is using my identity or change my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
on XX/XX/, claimant received communication from Consumer Correspondence Department Rushmore Loan Management Services LLC, regarding the mortgage loan account referenced above. Consumer Correspondence Department Rushmore Loan Management Services LLC response was " Our office has reviewed its files and was unable to identify a Rushmore loan connected to the name, property address, or loan number provided ''. This willfully conduct to deprive claimant of freedom of life and privacy after knowing there was no contract or debt associated with private property or claimant is deceptive and unlawful. We demand public accountability and redress. Rushmore Loan Management Services LLC has engaged in this deceptive business conduct before. This theft of property without just compensation must never be tolerated and delt once receiving this claim and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation