vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: NJ

Complaint narrative:
Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear CITI, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes.

It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for CITI to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect CITI to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith

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 2024-02-06 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers. 

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipulated in 15 USC 1681, is being compromised due to the persistent inaccuracies.

As outlined in 15 USC 1681s-2, it is explicitly stated that a person shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX. 

Cross country mortgage did not like the initial appraisal at XXXX. They had the apprsiaser look again and she changed it to XXXX. The real estate agent appealed and she moved it back to XXXX. CCM then changed closing disclosures and pushed additional cost to me the buyer. They will not call and have made XXXX calls XXXX my agent as well. It feels very scummy and feels like they minupulated the appraisal. It does not feel like it was independent anymore rather she was bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I have identified inaccuracies in my Equifax Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Equifax. Despite my attempts to address the matter through mail communications, Equifax has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Equifax 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with no-affiliated third parties and consumer reporting agencies. I have appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/XXXX  i notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for sharing of my nonpublic personal information with no affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX XXXX  complies with all federal regulations and laws including GLBA, to protect the privacy and information security of consumers like me. 

Additionally, i would appreciate regular updates on the progress of this investigation and any actions taken to address the violation committed by XXXX  XXXX XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
On XX/XX/24, I sent a dispute letter first class to Equifax informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the Equifax data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I received correspondence from Equifax stating that I needed to submit my dispute online and provide the confirmation number given along with my identification, which I think is a stall tactic because I already submitted proof along with my identification. I am attaching my dispute letter as well as my claim ID along with the confirmation number so that Equifax can proceed with removing these unauthorized items caused from their data breach from my consumer report. These inquiries are to be removed from my credit report within 14 days, or I will have no choice but to pursue legal action against Equifax as I have this right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose. 
According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ND

Complaint narrative:
As per studentaid.gov, federal student loan accounts with anniversary dates preceding XX/XX/XXXX, were supposed to be extended by a full year. Despite my attempts to convey this during calls to Mohela on XX/XX/XXXX and XX/XX/XXXX, and the assurance of escalation, my IDR anniversary date remains unchanged. The guidelines can be found below, under " Income Driven Repayment '' : https : //studentaid.gov/announcements-events/covid-19 I urge Mohela to promptly rectify this issue by adjusting my IDR anniversary date to align with the provided relief measures. The recent switch to a standard repayment plan with a monthly payment of {$2300.00} is not in accordance with the directed guidelines and needs immediate resolution. While their reps have been congenial, my attempts at resolution with them directly are futile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I started a free trial with experian credit to see all 3 scores from their platform. Not only can you not see all three scores as advertised but they have no option online to cancel like you could sign up. When you call and say your trying to cancel there is no optional they only transfer you if the call is for " a certain reason ''. So they have taken XXXX from my checking account and have received no service they promised. I want this account canceled and my money back.

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 2024-02-06 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 never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX has reported an account to my credit report of {$8100.00} with XXXX consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank selected to close their XXXX  checking accounts and move the XXXX accounts to a Truist Bank company named XXXX XXXX. My XX/XX/2023 account statement read I was a " Truist XXXX XXXX XXXX XXXX. Truist / XXXXXXXX XXXX XXXX XXXX sent out information and an agreement the XXXX  account holder 's were required to sign to activate their account. After XXXX, I had been out of the country, and had medical bills to pay upon my return that were due and wanted to utilize my XXXX funds. I also reviewed the information and told I was to receive plastic card to use. I had not received.Due to I needing to pay my medical invoices, I called to many Trusit and XXXX numbers after searching and found Truist owned XXXX XXXX or partial ownership. Most of my calls to XXXX, employees did not provide ownership questions or contact information to account issues. Finally found a contact number after waiting 1 hour plus on each call.The lady and I stroked a conversation, after I told her about not receiving the plastic / debit cards. She clearly stated LOTs of cards were not mailed. Another call, she suggested closing the account to pay my bills. I never had an agreement on fees, etc.. My funds were not avail to pay my bills, no fault to me. Trusit should refund all fees to me & similar situations and not profit for Trusit shortcomings for charging fees like XXXX XXXX has been punished for taking advantage of people. Please see that my funds are returned. As I have called to the phone staff and she has indicated management will not reply to her about the fee charged, as Truist has called the fee with different name. I had no agreement with Trusit regarding this and Trusit taking mine and other funds. When I first opened this account the bank attempted to charge monthly service fee. Trusit has failed to produce a statement with fee deductions.

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 2024-02-06 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: CA

Complaint narrative:
I was reviewing my credit report and was sent into an anxious spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.

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 2024-02-06 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: NC

Complaint narrative:
Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers. 

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipulated in 15 USC 1681, is being compromised due to the persistent inaccuracies.

As outlined in 15 USC 1681s-2, it is explicitly stated that a person shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.

Company response to consumer: Closed with non-monetary relief