vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX experion and XXXX XXXX Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help

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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hi. At all the cash registers at Lowes Stores 20 % off first purchase is advertised on your first purchase if opening a credit card. However upon purchasing my merchandise I did not recieve the 20 % off, due to fine print I was presented with after opening my card. 
Fine print was on purchases over {$290.00}, however even on opening and presented with scanning the instructions were " up to 20 % off ( max {$100.00} ) Which seems to either mean only up to XXXX dollars off, if for instance {$1000.00} of merchandise was purchased. Either way. My XXXX dollar purchase was not given the 20 % off. However customer servixe refunded me that amount after my complaint.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2024 this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 section 602 A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting XXXX, XXXX, and Equifax remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 section 602 A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting Experian, XXXX, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This file was removed from my report recently. I am requesting it be removed immediately. It is well over 7 years old. Also, I didn't approve for XXXX XXXX to sell my loan. If it appears on any of my credit bureau files again, I will not notify through this service but file a lawsuit. This is interfering with me obtaining a home loan for myself. REMOVE IMMEDIATELY. I will file a lawsuit if it appears on my reports again. 

XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This file was removed from my report recently. I am requesting it be removed immediately. It is well over 7 years old. Also, I didn't approve for XXXX XXXX to sell my loan. If it appears on any of my credit bureau files again, I will not notify through this service but file a lawsuit. This is interfering with me obtaining a home loan for myself. REMOVE IMMEDIATELY. I will file a lawsuit if it appears on my reports again. 

XXXX 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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood owes me XXXX dollars and they wont send it to my XXXX bank account my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: Kikoff Inc.
State: FL

Complaint narrative:
In XX/XX/2023 this company kickoff landing opened a fraudulent account in my name. I noticed a new account on my account from kickoff landing llc in XXXX. This account was unauthorized by me &. Ive disputed account multiple times. Ive filed fraud documentation and call my credit bureau, Ive tried contacting the company by email & phone. This account is not mine & according to the FRCA law it has to be removed because it was unauthorized!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently review 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX I Had a loan with XXXX and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXXXXXX XXXX XXXXXXXX. 

XXXX VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted XXXX via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank 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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX I Had a loan with XXXX and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXX XXXX XXXXXXXX. 

XXXX VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted XXXX via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX I Had a loan with XXXX and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXXXXXX XXXX XXXXXXXX. 

XXXX VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted XXXX via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank 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 non-monetary relief
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I am requesting the following CREDIT INQUIRIES to be REMOVED from my credit report.These have not been authorised by me. CONTACTED EACH OF THESE CREDITORS, and was advised that nothing was found to show that I solicited a credit check in their system. 

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 Thank 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 non-monetary relief
Consumer complaint received 2024-04-21 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: AR

Complaint narrative:
loan was sold then XXXX XXXX says balloon payment on credit report Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. Balloon payment of {$20.00}, XXXX XXXX  XXXX XXXX then i got this and don't no why because i never ask XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
My conventional residential mortgage was transferred to Mr. Cooper for servicing shortly after purchase in XX/XX/XXXX. I do not have any paperwork or information on when/if Mr. Cooper plans to cancel my PMI. By my calculations, in XX/XX/XXXX, I surpassed a 20 percent equity holding in my property and was therefore eligible for PMI cancelation. 

On XX/XX/XXXX, per the instructions on Mr. Cooper 's website, I submitted a formal written request via U.S. mail to cancel the PMI insurance on my account as soon as feasible, or to provide what additional information was required to support my cancelation request. As of XX/XX/XXXX, I have still not heard back from Mr. Cooper, my account is in good standing, and my annual escrow analysis completed this month again shows PMI for the duration of this year 's projected costs. 

I maintain my XXXX request to cancel PMI on my account. Additionally, since the original formal request, by my calculations my equity has risen and my mortgage balance has dropped below 78 percent of the home 's original purchase price. It appears therefore that the company is in violation of Homeowners Protection Act of XXXX ; the servicer has not automatically terminated PMI for my residential mortgage, nor responded to my written request in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the banks associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX  OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Home Depot/CBNA has on my credit report, me owing them close to XXXX  and it is seriously damaging my credit report. I went from about a XXXX to a XXXX because they are saying I am responsible for my debt. The debt belongs to my sister and I was only an authorized user. How am I responsible for this debt and why do I have to pay it? This is unfair and I wish for you to investigate Home Depot/CBNA because I believe I am being XXXX XXXX  to pay this debt by damaging 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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report this crime. They instructed me to go to the website XXXX & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently review 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.

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