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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My debt with DFAS has been paid off for over a month and I have been contesting it several times and submitted evidence of payment since the debt was paid through the Department of Treasury but they refuse to look into it and update the status ; they keep showing it as past due, which is not. Tresury Department says it is paid off, as does DFAS. The original collections company does not hold this debt and therefore they do not have access to the debt information. This has prevented me from an FHA loan only because the credit bureaus refuse to actually look into this situation.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My debt with DFAS has been paid off for over a month and I have been contesting it several times and submitted evidence of payment since the debt was paid through the Department of Treasury but they refuse to look into it and update the status ; they keep showing it as past due, which is not. Tresury Department says it is paid off, as does DFAS. The original collections company does not hold this debt and therefore they do not have access to the debt information. This has prevented me from an FHA loan only because the credit bureaus refuse to actually look into this situation.

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: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence keeps calling my mobile phone number several times each day. I do not owe them any money or owe anyone any money.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for inaccurate credit reporting related to two accounts that have been incorrectly reported on my credit profile. I have already submitted an affidavit and FTC report to dispute these accounts, but the issues have not been resolved.

The specific issues are as follows : Credit Union Account : I am disputing the reporting of an account from a credit union, as I have no legal obligations to this account. I have no records or agreements with this institution, and I believe this account is being reported in error. Despite submitting an affidavit and FTC report, Equifax has failed to remove this account from my credit file. 

XXXX XXXX Account : The information regarding an account with XXXX XXXX  is also incorrect. The reported dates and balances on this account are inconsistent with what is reflected on other credit bureaus, and this discrepancy is affecting my credit score. I have provided the necessary documentation, including my affidavit and FTC report, but Equifax has failed to correct this error. 

Relevant Legal Violations : 15 U.S.C. 1681e ( b ) : Under this section of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like Equifax are required to follow reasonable procedures to ensure the accuracy of the information they report. Equifax has failed to meet these requirements by allowing inaccurate and inconsistent data to appear on my credit report. 

15 U.S.C. 1681i ( a ) : This section of the FCRA mandates that consumer reporting agencies investigate disputed information within a reasonable timeframe and correct or remove inaccurate data. Despite my formal dispute and submission of supporting documentation, Equifax has not fulfilled its obligation to investigate and correct the inaccuracies related to the credit union and XXXXXXXX XXXX accounts. 

Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits debt collectors from engaging in deceptive, unfair, or abusive practices. Equifax 's failure to remove or correct these errors may also be in violation of the protections afforded under the FDCPA, particularly regarding the reporting of inaccurate or disputed information. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Equifax fulfills its obligations under the FCRA and FDCPA. I have attached all relevant documentation, including my FTC report and affidavit, to support my claims.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-12-09 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: IA

Complaint narrative:
My social security is supposed to go on my Direct Express card, but I could not get any more than XXXX there should be XXXX left on the card!!! from my XXXX payment

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent 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 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 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 XXXXXX/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 non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent 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 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 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  - 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XXXX I submitted an " Application for Success '' to find out which programs I would be eligible for in terms of avoiding foreclosure. I was told that I would have an answer in XXXX business days. I have been calling regularly since because I would like to be able to plan how to move forward. It has now been nearly a month. 

Rocket Mortgage has kept giving me excuse after excuse as to why they are unable to make a decision. I have been told three times that a loan modification has been approved and it shows that it has been approved on my web portal, but when I try to get the terms from them they tell me that it has not been approved and that it is a mistake even though it has says I am approved for over a week. When I ask them why it is on the website, they tell me it is a mistake and to ignore it. Am I not supposed to trust that their website is accurate since that is the primary way to communicate and get information about loan? 

They have been very hard to communicate with - sometimes with hold times that go well over an hour. They have not provided consistent information. Nearly every person I speak with has something different to say. I feel they are delaying the process on purpose to let payments pile up so they have grounds to force me into a short sale. 

I have been current on my mortgage since it originated in 2023, but I had some issues come up and I was unable to make a payment - which I alerted them to before I missed it. They did not give me an option to start this process earlier than when I did. They told me there was nothing they could do at the time. 

The people that I speak with are generally unhelpful and defensive. They are patronizing, they do not answer or have the answer to many of the questions I have about the process. They have provided no guidance during the process and have left me in the dark and frustrated.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
My debt with XXXX has been paid off for over a month and I have been contesting it several times and submitted evidence of payment since the debt was paid through the Department of Treasury but they refuse to look into it and update the status ; they keep showing it as past due, which is not. Tresury Department says it is paid off, as does XXXX. The original collections company does not hold this debt and therefore they do not have access to the debt information. This has prevented me from an FHA loan only because the credit bureaus refuse to actually look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I joined M & T Bank on XX/XX/XXXX with a check that I received from the State of Connecticut 's Department XXXX XXXX XXXX in the amount of {$42000.00}. My account was opened and the check was cleared on XX/XX/year>. I started making some large purchases, because we have a family reunion coming up at the end of this year, and that required airline tickets, football tickets concert tickets and some other smaller purchases. I noticed that I was being declined for a few purchases, but I would call the Consumer Banking number on the back of my card, who would also forward me over to your Fraud Department to verify purchases. For each of my purchases, I confirmed that they were actually made by me and no fraud was committed. 

XX/XX/XXXX, I received a call from XXXX, NY, saying that I have been spending " a lot of money '' and that my account was marked as fraudulent. After verifying my information, the caller seemed satisfied and all was well. Later on that day, I was unable to access my account and I stopped into my local XXXX, CT XXXX. I was told my by local teller that my account is blocked pending an investigation. Clearly I was suprised! It was a legitimate check that was obviously cashed and the funds were received by M & T Bank, however I was not able to access my money. As of today, I have {$23000.00} in my account that I can not access. 

I have called by local banker every day, who has been very cooperative and empathetic. He told me that my account is still under investigation, and that I will need to wait for a resolution of this process. I also filled out a satisfaction survey and received another call from the XXXX, NY area ( XXXX ) from someone named XXXX, who told me that I needed to wait while the financial crimes division investigated my account. 

As you can guess, I am not happy. Today is XX/XX/XXXX, and my account is still " blocked '' with no access to it. I called the Department of Revenue Servicess today on XX/XX/XXXX, and they investigated the information that I gave them. They called me back this afternoon and tol me that their Revenue Accounting Department did receive an inquiry from M & T Bank asking about the legitimacy of my check. the Department of Revenue Services said that they validated the check on XX/XX/XXXX. 

Again. Today is XX/XX/XXXX. I am traveling on XX/XX/XXXX to go see my parents in XXXX. I need this resolved ASAP. I understand that M & T may not have customers that deposit large amounts and spend large amounts on a frequent basis ; however, clearly there is a gap in your fraud/ finacial crimes auditing that may need to be revamped. I'm not a criminal. I want access to my money, and I would like for M & T to please understand that the Department of Revenue Services has already validated my funds.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Early Warning Services, LLC
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American XXXX, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted my second application for a Costco Credit Card Visa Citi, with a credit score of XXXX. Despite my excellent credit history and high credit score, my application was denied for the second time. I had previously applied on XX/XX/year> and received a denial, which I believed to be an error. 

I have reviewed my credit report and found no errors or negative marks that would justify the denial of my application. I have also compared my credit profile to the credit requirements listed on the Citi website and believe that I meet or exceed all of the listed criteria.

I believe that the denial of my application may be discriminatory and unjust, and I request an investigation into this matter to determine if discriminatory practices were involved. I would like to request that the EEOC investigate this matter and take appropriate action to ensure that Citi and Costco are complying with all applicable laws and regulations related to credit and lending.

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