vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
I hope this email finds you well. I am reaching out to express my deep concern regarding the status of my loss modification review for my home loan, which I applied for on XX/XX/XXXX. As a mother of XXXX, the importance of stable housing is paramount, and the lack of communication and professionalism exhibited by your company has been incredibly distressing. 

I attempted to check the status of my application on XX/XX/XXXX, but I did not receive any response. According to the FHA guidelines, I should have received a review within the XXXX period, and it is disheartening to feel as if my family 's well-being is being overlooked. It appears that there is a significant gap in the service I am receiving, leading me to question the intentions of your company. 

I urge you to address this matter promptly and provide me with an update on my application status. My familys future depends on your timely response. 

Thank you for your immediate attention to this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Opportunity financial, XX/XX/2020 ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of XXXX my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part XXXX unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit www.experian.com/fraudrights and 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit 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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Disputed collection agency on all XXXX credit reports. All credit bureaus complied ; I received notification that Midland Credit Management is trying to come after me once again that this has been disputed & not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I DIDN'T PROVIDE IDENTIFICATION ARE PROOF OF RESIDENCE IN PREVIOUS COMPLAINTS. 


XXXX XXXX XXXX XXXXXXXX reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/year> Open Company response is in progress as of XX/XX/year> XXXX XXXX XXXX XXXX reporting Improper use of your report XXXX Credit reporting Agency XX/XX/year> Open Sent to company 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 2024-08-18 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: MS

Complaint narrative:
Ive been working on this for XXXX months going on XXXX back to back.. Ive sent letters to bureaus for months and nothing has happened, Im struggling and get anything in my name Im being denied for everything. If actions are not taken immediately Im going to sue for every violation.

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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have in correct amounts reporting on my credit report and this acct was charge off, yet the company took actions of collecting money from me under false pretenses, Now they wont update the acct and they are taking more money out my acct, reporting twice under XXXX different accts hurting my XXXX score. I have paid to date over XXXX thousands dollars. please review and have them remove and it's a time limit to garnish money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of XXXX my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 15 USC 1681s-2 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. 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. Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had lost my job. Regional Acceptance Corporation advised me that I needed to pay {$180.00} to keep my vehicle since I had a new position. I paid {$190.00} to them. Today, I received a call that I was advised incorrectly. I needed to pay {$1800.00} to keep my vehicle. I stated I do not have that money. I will be paid on XX/XX/year> and can make a partial payment. I need to pay on my mortgage as well. I was told " that isn't good enough ''. I stated I made the payment I was first told to hold on to my vehicle, as long as I made payments. I was told " you're going to lose your truck now. I'm putting in for a repossession. ". 

I hung up. I will now be forced into bankruptcy since I will not be able to get to my job. I will also lose my home. 

Don't do business with Regional Acceptance Corporation. They will lie to you just like they did to me.

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 2024-08-18 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:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXXXXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1681e ( 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. 

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer. 

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were XXXX days late based on payments being due on the 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 2024-08-18 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to HXXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : 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 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 2024-08-18 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: NJ

Complaint narrative:
I want to remove these inquiries from my report becauce I don't know them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
I want to remove these inquiries from my report becauce I don't know them

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Who : XXXX XXXX XXXX XXXXXXXX XXXX Capital One Account # XXXX Capital One QuickSilver Credit Card # XXXX What : Hold placed on credit card without notification. 

When : XXXX XXXX became aware of the hold on XXXX XX/XX/year> after calling Capital One. 

Where : Capital One Why : No full explanation for the hold was given. XXXX XXXX was only informed that his account was on hold due to a transaction being investigated. 

How : XXXX XXXX discovered the hold after contacting Capital One. No prior notification was sent. 

Summary : On XXXX XX/XX/year>, I called Capital One to inquire why my available credit had not increased beyond {$20.00} despite making multiple payments to fully pay off the balance. The payments were as follows : XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$100.00} XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$120.00} XXXX XX/XX/year> : {$140.00} XXXX XX/XX/year> : {$180.00} XXXX XX/XX/year> : {$35.00} I noticed on XXXX XX/XX/year> that these payments had not resulted in an increase in my available credit. Despite this, I continued to pay off the remaining balance. 
At XXXXXXXX XXXX on XXXX XX/XX/year>, I called Capital One and requested to speak with a supervisor. The supervisor informed me that my full credit would not be available, and there was a hold on my card until XXXX XX/XX/year>, even though all required payments had been made well before their due dates. 
After researching my rights under the Consumer Financial Protection Bureau ( CFPB ), I called Capital One again at XXXXXXXX XXXX  on XXXX XX/XX/year>. I asked to speak with a supervisor and informed them that Capital One had violated CFPB regulations by not notifying me of the hold on my credit card or providing a reason. The supervisor claimed that at least five notices had been sent to me, but upon reviewing all notifications, including emails, texts, and mail, none mentioned the hold on my card. 
The hold on my card without prior notification led to missed payments and an inability to rent a vehicle needed to commute to work while my car was being repaired. I requested that Capital One send a written letter to all credit reporting agencies explaining that any issues were out of my control. I also requested restitution for the missed payments and the time missed from work due to the inability to rent a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX, XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief