vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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 this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue

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 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage put home into forclosure.. I reqested a reinstatment quote to bring mortgage up to date. I received quote on XXXX the amount due was {$7100.00} by XXXX XXXX XXXX  I paid the {$7100.00} via debit card over the phone. I was told that I was current and loan was no longer in forclosure... call was recorded. I called to make my payment on XXXX  and was told my home has an auction date for XXXX XXXX. I was told that the amount was not enough and that rocket mortgage reached out on XX/XX/XXXX via voicemail. This was 2 days after current reinstatement quote expired which i paid. Rocket Mortgage could not have taken the {$7100.00} payment without a current reinstatement quote. I took money from my retirement to bring everything current, after telling me they accepted my payment they reached out to tell me i owed more after the reinstatement quote expired. I am going to lose my house and be homeless. I did everything they asked and was told my account was in good standing. now im waiting on another reinstatement quote with fees I wont be able to afford. This is very unfair and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a notification from Equifax telling me of their federal obligation to offer me a free copy of my credit report because of more than 8 inquiries or negative information. The instruction is worded as follows : " ... or visit www.equifax.com/fcra and select the option for Free State Credit File. '' There is no Free State Credit File option on Equifax 's website and when I type that phrase into their help, it finds nothing. 

This is not a complaint for follow-up with me, but rather notifying you of the misleading instruction that could lead to confusion for many, thereby not really fulfilling the intent of the legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX  opened an account without my consent or knowledge. On XX/XX/2023, I received a debit card in my home mail for a new bank account with them. I do not have any account or services with XXXX XXXX  and I have never had them and I am not interested in having any account with XXXX XXXX. 

I want to make the claim that XXXX XXXX  opened said account without my knowledge and this is identity theft on their part. Since I have never provided my personal information to 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 2023-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I could not log in to my account. When I tried to change my password I got a notification that I couldnt log in and my access was blocked. When I called, no one would give me an answer as to why my account was closed. They read off a script and then hung up on 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 2023-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
Canceled my services in XXXX and moved out of my house. I asked during cancelation what i owe and i paid my final bill. I went to return the equipment a few days later in XXXX to a store and I asked them as well if i owed anything and they said no. Months later today i see a derogatory mark on my credit report so i called the debt collector and they told me its from an XXXX XXXX I called XXXX to clarify this and it was a pain to get a live person on the call. So i initiated a live chat online and I explained it to 3 people and i was transfered after a promise was made to resolve this for me. They took over 2 hours to " work '' on this and I still do not have a resolution. I was bounced around re-explaining the situation and that i need them to fix it but no one has helped me with it so far. I have a perfect billing history and I always paid all my bills in full before the due date and never had a late payment so i have no reason to withhold this from XXXX, had i had been made aware of it. I'm looking for a letter from XXXX to give to the debt collector that says this was erroneous and i want the derogatory mark removed from my report and the collector said that is how they can do it. I asked XXXX for the letter and i was immediately transferred without a proof. i have the entire chat history with all the 4 representatives that bounced me around if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, Experian, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible.

Your expedited assistance is greatly appreciated. 

Sincerely, 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
There is an item on my credit report that is reported by XXXX XXXX XXXX that claims I owe them {$370.00}. I haver never been in debt no had products nor services from this company. When I called ( XX/XX/2023 ) to ask them to send me the verification of a contract with my signature ( Wet signature on original contract ) I was told they do not have that and they did not have to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/2023 my debit card information was stolen from XXXX and used to send a total of {$50.00} to a XXXX XXXX. I did not do it and I reported it immediately to chime. They did an investigation and determined no error occurred and won't give me my money back. I do not understand how they can deny my dispute when I didn't do it. They canceled my debit card and are sending me a new one but I want my {$50.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NV

Complaint narrative:
I filled a complaint with you previously this month on them sending my XXXX XXXX XXXX  for my XXXX XXXX  son to me via XXXX and the XXXX person just left card on my door step and card was stolen with all my son 's benefits on it for this month so I cancelled that card ending in XXXX and received a replacement card only to find out all my son benefits were gone so i submitted my paperwork to the company with in the 10 day time frame only to find out the sent my XXXX  to a assigned advocate that i have tried numerous times to no avail to reach about this then today XX/XX/2023 when it woud be last day to give me provisional credit they have closed my case and found against me i don't see how they can come to this conclusion when on my paperwork i clearly submitted that XXXX was taken from me then the agent tells me that i filled claim for XXXX i told them i don't know where you got that number from i put in writing XXXX so i dont understand how this is being investigated properly I feel the company rushed to judgement and never considered that they are wrong for not having someone sign for my card as it's important to customers to know that when they deduct money from us for this faster service that we will be safe knowing our benefit wont get stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

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. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 non-monetary relief
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed an unusual transaction on my Bank of America personal and business checking accounts. 
XX/XX/XXXX Personal Checking # XXXX - Offset payment to acct XXXX - {$230.00} XX/XX/XXXX Bussines Checkig # XXXX - Offset payment to acct XXXX - {$480.00} After contacting the bank they informed me that they offset the amount to pay the credit card balance and referred me to discuss the matter with the offset department. I requested immediate reversal of the funds because Bank of America made such an action without informing me and most important without my consent. 
The person helping me was very rude and referred to a contract or read it before signing something. When I asked to provide a contract she told me that I have to get it from bankofamerica.com or go to the local branch. ( I have a recording of the entire conversation ). It turned out the signed contract is missing from the bankofamerica.com website. I also went to the local branch to request the contract and the person helping me said that they do not provide contracts in the bank. It turned out I needed to make an appointment with the branch to request the contract. 
The bottom line, the bank refuses to reverse offset charges and refuses to provide signed contract.

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