vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-09 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:
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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My mortgage company failed to properly pay my property taxes to the city of XXXX via escrow since I purchased the property in XXXX of XXXX. The money for the taxes can be seen coming out of the escrow account in the records, but it was not received by the town. 

Note that I have never missed a mortgage payment and approximately 40 % + of my monthly mortgage payment ( {$370.00} out of {$860.00} total mo. payment as of most recent statement ) going to escrow to pay my mortgage insurance, property insurance and most importantly, my city property taxes. 

I had received a lien notice from the city in XXXX of XXXX and contacted Mr. Cooper on XX/XX/XXXX. The notice stated that the deadline for the line to be addressed was XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX and about a week later, I received the attached letter from Mr. Cooper stating : " We have completed a review of your escrow account. We contacted XXXX XXXX and confirm that all taxes are paid current, no prior year delinquent taxes on this property. '' [ SEE ATTACHMENT : " Mr. Cooper Letter ( XXXX ) ] On XX/XX/XXXX, I was served with a tax foreclosure notice from the city of XXXX and their counsel- XXXX, XXXX, XXXX & XXXX. Clearly the information in the letter from Mr. Cooper was incorrect. Not only were my property taxes not properly paid, but when I tried to get the issued addressed by Mr. Cooper, I was provided false information from Mr. Cooper assuring me that all taxes were paid. Now I'm at risk of foreclosure due to my mortgage company 's breach of their fiduciary duties. 

Mr. Cooper purchased my mortgage in early XXXX. The previous mortgage company with which this issue originated was XXXX. 

I've attached all documentation I have from both Mr. Cooper and XXXX, including e-mails stating that XXXX was paying my taxes from XX/XX/XXXX and XX/XX/XXXX of every year, as well as escrow statements showing that my taxes were paid when they were not, the foreclosure notice docs that I was served and all other documentation verifying that I provided the mortgage company/companies the money to pay my taxes and they did not do so. 

Throughout this process, Mr. Cooper has never, ever called me directly and I have absolutely no faith that my issues is being addressed with the necessary urgency. I also have no confidence that the Mr. Cooper properly paid my taxes from XXXX of XXXX to the city of XXXX, nor that they have fixed the issue on their end moving forward. Therefore, I do not trust that they will properly pay my taxes in the future. 

I'm not sure what the next steps in the process are here, but if Mr. Cooper fails to address this issue, I will be taking legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am writing to formally request the immediate removal of a collection account from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i I have reviewed my credit report, and I have found an entry for a collection account, identified as follows : Creditor/Collection Agency Name : Caine & Weiner Date Reported : XXXX XXXX Balance : {$610.00} I believe this information is inaccurate, incomplete, and in violation of the FCRA for the following reasons : 1. This account is reflected on my credit report as open and this is an FCRA violation according to 15 USC 1692g. This need to be deleted immediately.

2. This account does not belong to me!

According to the FCRA section 605 B, it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. I will seek litigation for this violation if not removed from all three credit bureaus. Under the FCRA, you are required to investigate and ensure that all information reported on consumer credit reports is accurate and up-to-date. As this collection account is inaccurate and no longer valid, I am requesting that it be immediately removed from my credit report. 
Please confirm in writing that the collection account has been deleted from my credit report or provide a detailed explanation of why it remains. If this account is not removed within the statutory timeframe of 30 days as required by the FCRA, I will take further action, considering other legal remedies available to me. 
Thank you for your prompt attention to this matter. I look forward to your immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-09 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by Experian, late payments are inaccurately noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However : Payment records confirm that the payments were made within the appropriate grace period. 
No delinquency notices were issued for the periods in question. 
The reported late payments violate 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of information in consumer files.

As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements.

Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of these errors demonstrates a failure to fulfill this obligation.

TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the correction from Experian. 
Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by these errors. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-09 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: FL

Complaint narrative:
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 blocked. 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 block 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 blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
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 blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 block 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 blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing an unauthorized transaction on my Bank of America credit card for a XXXX XXXX ticket. The transaction was made using my lost card information by someone else. I provided detailed evidence to Bank of America, including : 1. Proof that the card was not physically present during the transaction.

2. Records showing the individual was male, while I am female.

3. Documentation proving I was in XXXX XXXX during the alleged travel period, including my work timecards and paycheck. 

Despite this, Bank of America denied my claim. This was not my transaction, and I am seeking assistance in resolving this matter and obtaining a refund.

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 2024-12-09 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: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-12-09 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: VA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-12-09 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:
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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I signed up for the capital 1 XXXX  XXXX  which had an introduction offer where if I spent XXXX within a certain timeframe I would receive XXXX bonus miles. I downloaded the capital 1 app on my I phone which I use to pay bills and keep track of my balances. Since Ive had the app the date to spend this money by has always showed XXXX. Screenshots provided. Yesterday XXXX I made a purchase for a little over XXXX that put me past XXXX total. This charge was doubled billed by the vendor and triggered a notice to their fraud department. I called the fraud department to let them know it was me and naturally inquired to make sure this purchase would count towards the rewards bonus. Thats when I was informed that my spend by date had already passed. Capital 1 is telling me that the spend by date was XXXX and that maybe there was a glitch in the app and too bad so sad for me. Ive spoken with multiple capital 1 representatives, most recently supervisor XXXX ID either XXXX or XXXX XXXX on around XXXX mountain standard timeXXXX. XXXX echoed the same statement and says that their system shows XXXX and that they cant see the app but regardless the date is XXXX, not XXXX. This seems incredibly predatory and illegal that the app could show incorrect information and its my job to figure out fact from fiction. By showing I had until the XXXX I was basing my spending off of that date. Also the vendor for the {$500.00} dollars purchase said it was approved but capital 1 says its still pending and it seems like they are purposely delaying this charge so it doesnt count in the XXXX. I spoke with multiple people and have gotten nowhere so Im turning to CFPD to file a complaint and hopefully get the bonus miles since thats the whole reason I got the card in the first place. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
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 response to consumer: Closed with non-monetary relief