vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XX/XX/XXXXBlock Request To Whom It May Concern, I am writing to advise that I am a victim of XX/XX/XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXXXX/XX/XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XX/XX/XXXX.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XX/XX/XXXXin persons or XXXX XX/XX/XXXXif the consumer has provided XX/XX/XXXXdocumentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XX/XX/XXXXin persons or XXXX XX/XX/XXXXif the consumer has provided XX/XX/XXXXdocumentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XX/XX/XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XX/XX/XXXX( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XX/XX/XXXXdocumentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-10 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I would like to decline further correspondence from your company for the security of my personal identity. Since I write many files, I do not remember what kind of dispute ( s ) I have filed. As far as I remember, I mentioned some bank accounts were closed. Since I do not observe any changes in the past reports, I do not need further correspondence. If only, you can mention any changes in your company documents regarding my personal financial information, please let me know. However, as myself know that most of financial matters has not significant change ( s ), I do not think my case ( s ) need ( s ) any special attention of you. Since most of the financial companies do not mention your company to contact for some credit report, I do not want to ask any report from your company. From the beginning, without acknowledgement, your company sent me questionable documents to me. Or maybe, I just believe they are questionable, and they might be official and legal style in the United States. Anyway, I do not have intention to provide my personal information including banking. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: MN

Complaint narrative:
I am writing to formally file a complaint against my mortgage servicer, Cross Country Mortgage, regarding significant issues with their website and payment portal. 

In XXXX, 2024 my mortgage was transferred to Cross Country Mortgage. I had no issues with my previous servicer 's payment system. However, I have encountered multiple problems with the new servicer 's website. 

Firstly, the payment portal only displays the last four digits of the bank account number. My bank increments the middle digits, not the last four, which if i'm being honest has caused the confusion in the first place since I can not verify the account number on the servicers website. Recently, I started using a separate account that coincidentally ends with the same last four digits. 

In XX/XX/year>, I deleted the old bank account information I was making payments with and added the new account details. After making a payment using the saved information, the wrong account was charged. I immediately contacted the servicer to report a potential backend system issue, as I had deleted the old account and entered the new one. The servicer conducted an investigation but determined it was not their fault. I accepted this conclusion as a mistake on my end. 

To avoid further issues, I deleted the saved account and added the new one again when making both XXXX and XXXX 's payments. However, during XXXX 's payment cycle, I decided to use the saved payment information, believing it would be safe. Unfortunately, the old account was charged again, indicating a recurring problem with the servicer 's backend system. 

As a result of these issues, I have incurred {$60.00} worth of NSF ( Non-Sufficient Funds ) fees this year, with each instance costing {$30.00}. This is causing financial harm and undue stress. 

I have formally requested the servicer provide logs of my saved payment entries and the corresponding values, but they have refused to do so. I believe there is a backend database issue causing my saved payment information to be overwritten at some point. However I can't verify whether it's right or wrong account since it only shows the last 4. I servicer also can not verify my current saved information either. 

I am requesting the CFPB 's assistance in resolving this matter. The servicer 's refusal to provide the requested logs is unacceptable, and their system 's deficiencies are causing significant inconvenience and financial harm. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, the principal applied for and consented to American Express arranging credit through a XXXX XXXX. American Express declined the application, citing the principals FICO score. The principal called American Express to address this issue, noting that, according to the prospectus in the investor relations section, American Express does not use FICO scores to determine credit extension. Additionally, the principal emphasized that the originator of the credit is the principal, not American Express. The principal has not waived the security interest in the application. Since the principal provided American Express with something of value ( security ), which was turned into receivables, the principal is now awaiting something of value in return from American Express. If American Express does not provide the services, the principal will need the security returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I need to inform the company that I have copies of previous credit reports from XXXX, TransUnion, and XXXX where on XX/XX/year> XXXX showed a XXXX XXXX of XXXX with credit use at 91 %, XXXX on XX/XX/year> showed a XXXX XXXX of XXXX with 53 % credit used, and TransUnion on XX/XX/year> a score of XXXX with 53 % credit used. I currently have 44 % credit use and my son has 23 % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.

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 2024-07-10 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: FL

Complaint narrative:
I need to inform the company that I have copies of previous credit reports from XXXX, XXXX, and Equifax where on XX/XX/year> Equifax showed a credit score of XXXX with credit use at 91 %, XXXX on XX/XX/year> showed a credit score of XXXX with 53 % credit used, and XXXX on XX/XX/year> a score of XXXX with 53 % credit used. I currently have 44 % credit use and my son has 23 % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-10 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be REMOVE. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 REMOVE 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 REMOVE : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-07-10 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: NY

Complaint narrative:
I Have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. they are hurting my ability to obtain credit.

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 2024-07-10 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 Have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
Hello, my name is XXXX XXXX. XXXX writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX {$510.00} Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX {$190.00} Please remove these accounts and inquiries from my credit report immediately.

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 2024-07-10 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-10 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: ID

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report.

Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation