vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX BANK XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-18 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am being charged a lender expense of {$60.00} in the transfer of my loan. A Mr. Cooper representative, via chat on XX/XX/year>, traced the fee to an appraisal on XX/XX/year>. I did not request an appraisal. My loan was also transferred in XXXX which leads me to believe the appraisal was conducted for that purpose which is the servicer 's cost of doing business, not mine. I did not request an appraisal or the transfer of my loan. Additionally, I am unable to pay extra towards principal as Mr. Cooper 's website states the expense must be paid before any additional funds can be applied towards the principal. Unfortunately, I learned from XXXX XXXX XXXX XXXX that it is a well known fact that it is impossible to get a representative on the phone. Every number and every option sends customers through an endless loop. Chat is truly the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Citizens bank closed my account after a review. The reasons for closing my account was mere speculation and skepticism l, they had no evidence of any wrongdoing on my end. I received a letter from the bank on XX/XX/XXXX that my account has been closed and a cashiers check will be mailed to me on XX/XX/XXXX. As at today being the XXXX that Im filing this dispute, the check has not come and I called their customer service to find out what is wrong, they confirmed that the check has been mailed and I would get it soon. Now this is not the problem, I inquired how much was mailed and they said it was {$470.00}. The balance on my account was {$480.00}. I asked why the discrepancies in amount and they said they charged me a monthly maintenance fee on XX/XX/XXXX. I asked them why they would charge me a monthly maintenance fee for a closed account ( Remember that I received a letter in the mail that my account was closed and I should stop conducting any transactions on it. This letter was issued on XX/XX/XXXX and I adhered to it. 

Citizens bank monthly maintenance fee is {$9.00} for One Deposit Checking Account ( the account I operated with them ) To waive this fee, you have to make one deposit of any amount per statement period ( usually monthly ) I would have made one deposit of {$1.00} into my account to waive the monthly maintenance fee, but based on the letter I received on XX/XX/XXXX, I decided to obey and adhere to it by not conducting any further transactions on the account as requested. 

Now these are important dates Last deposit I made in this account was on XX/XX/XXXX, which waived the monthly maintenance fee up until XX/XX/XXXX The bank also sent me a letter on XX/XX/XXXX to stop conducting further transactions on the account The letter also said they will mail me a cashiers check on XX/XX/XXXX So why exactly will the bank charge me a monthly maintenance fee on XX/XX/XXXX. For an account they have already said was closed on XX/XX/XXXX and I should desist from making further transactions on. 

I called their customer care and they were very rude and said there is nothing they can do, and they will never return the {$9.00} to me I said I would take this up with CFBP and they said CFBP wont answer me because the money is negligible They sounded very rude and said they have the right to determine what is coming to me ( amount ). I have called them multiple times to also issue me a check for {$9.00} but they keep saying they would never do that. They hung up the call on me. 

Attached are the receipt showing date of the last deposit made to my account And Letter showing date of account closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
" We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' FTC has been made aware that I was defrauded by all " creditors '' and " loans '' as I was deceived into believing I am/was the " debtor '' when in fact, I was the " creditor '' of the transaction by proof of their utilizing my SSN + autograph. Please explain the necessity of the utilization of my SSN + autograph upon the " promissory note? '' I can always issue an IRS-approved 1099A/OID to settle the so-called debt? All " lenders '' are also " Trustee '' and must accept all Trust " negotiable instruments '' as tender of payment, otherwise, to pay back a " debt/loan '' with " federal reserve notes '' are NOT a repayment of debt as " debt notes '' can not satisfy a payment of another debt. A Beneficiary is always the " creditor. '' The Trustee is always the " debtor. '' Commercial interaction with my SSN establishes a trustee-ship.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
" We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' FTC has been made aware that I was defrauded by all " creditors '' and " loans '' as I was deceived into believing I am/was the " debtor '' when in fact, I was the " creditor '' of the transaction by proof of their utilizing my SSN + autograph. Please explain the necessity of the utilization of my SSN + autograph upon the " promissory note? '' I can always issue an IRS-approved 1099A/OID to settle the so-called debt? All " lenders '' are also " Trustee '' and must accept all Trust " negotiable instruments '' as tender of payment, otherwise, to pay back a " debt/loan '' with " federal reserve notes '' are NOT a repayment of debt as " debt notes '' can not satisfy a payment of another debt. A Beneficiary is always the " creditor. '' The Trustee is always the " debtor. '' Commercial interaction with my SSN establishes a trustee-ship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-18 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: TX

Complaint narrative:
Good day, please see supporting documents for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
Good day, please see supporting documents for my dispute.

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 2024-07-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on XXXX and also XXXX. It's reporting ( XX/XX/XXXX ) on Equifax. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. XXXX, Equifax and XXXX has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on XXXX and also Experian. It's reporting ( XX/XX/XXXX ) on XXXX. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. XXXX, XXXX and Experian has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : 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 2024-07-18 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I respectfully disagree with the conclusions of your investigation. There are several points I would like to address : 1. **Account Statements** : While you have provided a copy of the last credit statement, I am requesting a fully itemized receipt of all charges, interest, fees, and payments made on the account. This level of detail is necessary for me to verify the accuracy of the balance you claim is owed. 

2. **Discrepancy in Account Dates** : There seems to be a discrepancy regarding the dates associated with this account. In your response, you mentioned that the account was opened on XX/XX/XXXX, and that the last payment was made on XX/XX/XXXX. However, you also stated that the account was purchased on XX/XX/XXXX. This timeline is confusing, particularly as you suggest that the account went delinquent in XX/XX/XXXX but was not charged off until XX/XX/XXXX. Clarification and additional documentation on these dates are needed. 

3. **Validation of Debt** : According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a thorough validation of the debt. This includes all relevant details, such as a breakdown of the interest accrued, any fees applied, and the specific transactions that led to the current balance. The information provided thus far does not satisfy this requirement. 

Please provide the requested detailed itemization of all charges, interest, fees, and payments, as well as a clear explanation and documentation of the timeline of the account, including the date it was allegedly opened, when it became delinquent, and when it was charged off and transferred to your company. 

I am looking forward to a prompt resolution of these issues. If you need further information from my end, please do not hesitate to contact me. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: MA

Complaint narrative:
Hello - I recently received an alert that a hard inquiry was made to my credit report by XXXX XXXX. Having never applied for a XXXX XXXX credit card and otherwise having no business with them, I was concerned. I immediately checked my credit report, disputed the fraudulent inquiry, and in doing so made accounts at the 3 major credit bureaus : Experian, XXXX, and XXXX. Since I did this last week, my Experian account has been hacked twice and is currently outside of my control. A hacker, using my SSN, must have gained access to my Experian account and changed my password and phone number associated with the account- in other words, there is no way for me to gain access to my own credit report through Experian.

Experian 's account safeguards seem to be so lacking that anyone with your SSN can create an account in your name or take over your existing account. I tried calling Experian 's customer service line many times - it is automated, and there seems to be no way to actually get to an agent to discuss this issue, prove who I am, and receive timely help on this sensitive, concerning matter. After 3 days, Experian did respond to an email, asking me to physically mail copies of my driver 's license, utility bills, and social security card to their address. Needless to say, especially considering what I'm going through at the moment, I don't feel comfortable sending around my sensitive personal documents across the country. Also, the email they sent was itself concerning- although it was from the experian.com domain name, it had several typos and formatting issues. It made me feel paranoid, like these people ostensibly trying to help me monitor issues of identity theft might be scammers themselves. 

I just want the opportunity to safely access my credit report through Experian, and the assurance that they will automatically use multi-factor authentication to prove, as much as possible, that people are who they say they are and are legitimately trying to access their own credit information.

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 2024-07-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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