vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
As an affected consumer, I am writing to inform you that I have been a victim of identity theft, and as a result, the account with the number XXXX  XXXX was not opened or authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the removal of any information related to fraudulent accounts after submitting an identity theft report. Therefore, I am requesting that this account be removed from my credit report. I have attached the corresponding identity theft report, which I have filed with the relevant authorities. 

I appreciate your cooperation and prompt response in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year>2024 -Registered email online to receive XXXX bonus XX/XX/year>2024 - opened account XXXX/XXXX/2024 - enroll online banking XX/XX/year> - received direct deposit Terms followed 1. Register email 2.enroll online banking 3. direct deposit completed in 90 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 monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA

Complaint narrative:
ISSUE ONE : I applied to Mutual of Omaha Mortgage for a mortgage loan. The loan disclosures I received stated that Mutual of Omaha Mortgage intended to service the loan. This was a feature that I relied on to use this particular company over others that said they would not be servicing the loan. The last disclosure I received with this representation was XX/XX/XXXXXXXX. In our closing package was a letter dated XX/XX/XXXXXXXX, from XXXX XXXX XXXX stating that the servicing of our loan had been transferred. I find it suspect that all of the mortgage loan disclosures leading up to closing said XXXX XXXX XXXXXXXX intended to service the loan but suddenly at closing there is a notice of servicing transfer just 7 days later. 
ISSUE TWO : In the closing package the notice of servicing transfer is dated XX/XX/XXXX XXXX. The letter states that the current servicer would stop accepting payments on XX/XX/XXXX2024 just XXXX days after the date of the notice of transfer. Thereby not allowing payments to the prior servicer for up to XXXX days. 
ISSUE THREE : By notice dated XX/XX/XXXX I received another Notice of Servicing Transfer. This notice stated that servicing was being transferred yet again and that the current servicer would not accept payments after XX/XX/XXXX. Again, XXXX days and thereby not allowing payments to the prior servicer for up to XXXX  days. 
ISSUE FOUR : The Notice of Transfer dated XX/XX/XXXX did not include a Goodbye Letter from the servicer or a Welcome Letter from the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Siwell Inc
State: NC

Complaint narrative:
I initiated the partial release process in XXXX of XXXX and have experienced persistent delays and communication issues. Despite my continued efforts to comply with all requirements and follow up regularly, the resolution has been elusive, stretching for almost a year and causing significant frustration. 


Here is a detailed chronology of my interactions with Capital Mortgage of Texas : XX/XX/XXXX : Initiated the process by contacting the customer service center. No response received. 
XXXX XXXX XXXX  : Engaged in the chat feature, where I was informed by XXXX that he would research and get back to me. Unfortunately, no response was received. 
XXXX and XX/XX/XXXX : Made follow-up phone calls due to the lack of progress. No conclusive information was provided. 
XX/XX/XXXX : Utilized the chat feature again and was informed by XXXX that they had emailed XXXX and he would get back to me. 
XX/XX/XXXX : In a subsequent chat session with XXXX, I was provided with a list of items required to proceed. 
XX/XX/XXXX : Formally submitted my request, including all necessary information. XXXX confirmed receipt and mentioned contacting FHA for confirmation. 
XX/XX/XXXX : Followed up and was informed on XX/XX/XXXX by XXXX about delays due to an audit with an investor. 
XX/XX/XXXX : Followed up again, received a response on XX/XX/XXXX stating that someone from the relevant department would contact me soon. 
XX/XX/XXXX : Followed up by email and phone. Spoke with XXXX on XX/XX/XXXX, who indicated completion by the end of the year. 
XX/XX/XXXX : Emailed again and received a response on XX/XX/XXXX, stating that XXXX XXXX would be reaching out to the CEO for guidance. 
XX/XX/XXXX : Emailed again, and XXXX XXXX indicated putting in a request with the XXXX  HUD XXXX for guidance. 
XX/XX/XXXX : Received information that the XXXX XXXX is XXXX, CO, and a message was left with a follow-up planned for the next week. 
XX/XX/XXXX : Emailed HUD to request the partial release and cc 'd XXXX and XXXX. 
XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
XX/XX/XXXX Emailed the FHA directly to escalate the issue. 
XX/XX/XXXX, Received the notice from FHA that the release was approved. 
XX/XX/XXXX Mailed check XX/XX/XXXX Followed up with XXXX, check was still not cashed. 
XX/XX/XXXX Followed up again with XXXX, check still not cashed. No response XX/XX/XXXX Followed up with XXXX again, check cashed XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
Rcvd a response that the title was clear and sent to the local courthouse Listed Property for sale and received and offer went into contract with a closing for XX/XX/XXXX found the title is not clear and the lien is still on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CA

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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2024-10-08 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: AL

Complaint narrative:
Sent past disputes in over 60 days ago and nothing was changed. The accounts are not accurate and not verified and must be deleted immediately from my consumer report. The consumer reporting agency did not do a proper investigation on these accounts. They did not provide me what i asked for or required in the disputes and are still reporting these accounts. I DEMAND UNDER THE FCRA THAT THESE ACCOUNTS LISTED IN THE RESOLUTION BOX, BE BLOCKED AND DELETED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased XXXX XXXX ticket using Citi Card, i bought return journey ticket, while going to XXXX was fine but in return XXXX XXXX delayed entire journey by XXXX Hours. As per Department Of Transportation and FAA rule that if XXXX flight is delayed for more than XXXX hours then consumer is entitled to get refund. 

Also because of multiple delays i was forced to stay overnight at XXXX airport, XXXX customer care told me to book my hotel and cab, and was promised that airlines will pay be back, As of today XXXX has not paid me back and Citi bank is refusing to fight with XXXX XXXX and credit my amount back. 

Even though i have all the evidence and which i have submitted to both Citi Bank and XXXX XXXX, both of them are not responding to me in positive way. 

Citi Bank does not even look into what i have submitted and favoring XXXX XXXX. 
I have paid for extra leg room and extra bags for my entire journey, now airlines is refusing to refund me for not delivering the services that i paid for and Citi Bank is favoring vendor and not the customer of their bank

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 2024-10-08 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: NJ

Complaint narrative:
I'm following up on my previous communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and responsibilities. They've hindered important financial goals, including purchasing a home and providing for 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 2024-10-08 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: NJ

Complaint narrative:
I'm following up on my previous communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and responsibilities. They've hindered important financial goals, including purchasing a home and providing for 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! XXXX a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a formal complaint against Experian for failing to conduct a proper investigation into my disputes and for falsely accusing me of using an unauthorized third party to submit my requests. Additionally, Experian did not respond to my initial dispute letter. 
I mailed two separate dispute letters to Experian regarding inaccuracies in my personal information and accounts listed on my credit report. To verify my identity, I included copies of my photo ID, Social Security card, and a recent bill showing my current address. 
The first letter was mailed on XX/XX/year>, via XXXX certified mail ( tracking number XXXX ), but I did not receive any response from Experian via mail or email. Subsequently, I mailed a second dispute letter on XX/XX/year>, to which I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the accuracy or completeness of information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify the information. XXXX failure to fulfill this obligation constitutes a direct violation of the FCRA.

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 2024-10-08 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation