vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I am following up on my prior closed complaint with XXXX by addressing my concerns with my previous mortgage holder, Guaranteed Rate. The issue stems from a significant oversight regarding flood insurance coverage on my property in XXXX, which has resulted in financial repercussions for me. 

As a XXXX individual on Social Security XXXX for many years, I had diligently managed my mortgage with Guaranteed Rate until it was transferred to XXXX XXXX in XXXX XXXX Despite maintaining an escrow account to cover taxes, homeowners, and flood insurance, I was unaware of a lapse in flood coverage until notified by XXXX in XXXX, XXXX. This notification came with the requirement to purchase supplemental insurance or accept a XXXX policy due to insufficient coverage. 

Upon investigating, XXXX informed me that Guaranteed Rate had ceased payment on my flood insurance premium after initiating it in XX/XX/XXXX, just before the mortgage transfer. This negligence led to a loss of my grandfathered insurance rate and substantial financial burden, forcing me to opt for XXXX insurance on a fixed income. 

In response to my inquiry, Guaranteed Rate stated that they stopped payment on the insurance premium upon the mortgage transfer, citing procedural reasons without prior notification to me. This action has directly impacted my monthly mortgage payments and insurance costs, pushing my budget beyond sustainable limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$4500.00} XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$0.00}

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 2024-07-03 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
I have sent XXXX XXXX XXXX three lawful debt request affidavits which they have ignored.The dates are XXXX information that was requested was 1.Validation of debt ( the actual accounting ) 2. Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXXXXXX is continuing report inaccurate information without been verified causing financial stress.Criminal acts of XXXX XXXX  XXXX XXXX XXXX XXXX breached all its fiduciary duties and is therefore GUILTY of criminal breach of trust by failing in it's good faith requirement XXXX XXXX XXXX and others who profited from the XXXXXXXX XXXX transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert In this joint endeavor to deceive the buyer ( me ) The four essential conditions of a lawful binding contract 1.Full disclosure ( I was not told I was creating the credit with my wet Ink signature ) 2.Equal consideration ( XXXX XXXX XXXX ) brought nothing of value to the table and had nothing to lose ) 3.Lawful terms and conditions ( yours were based on fraud ) 4.The wet Ink signature of both parties ( corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no XXXX party can sign a contract on their behalf.More then XXXX XXXX XXXX  days has been giving for XXXX XXXX to rebut the affidavit and send documents neither has happen.

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 2024-07-03 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: CA

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I lost my card and realized there were unauthorized transactions made. I ordered a new card and filed a claim on XX/XX/XXXX. The money was temporarily returned to my account only for it to be reversed due to them claiming the charges were authorized. I called the claim department to ask for the research that made them draw this conclusion. Instead I was told that it was found the transactions were authorized over and over. 

The unauthorized charges are as follows : XXXX {$13.00} XX/XX/XXXX XXXXXXXX XXXX  {$55.00} XX/XX/XXXX XXXXXXXX XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XXXXXXXX XXXX {$15.00} XXXX {$120.00} XXXX XXXX {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I called Capital One about a fraudulent check being used to steal funds from my account on XX/XX/2024. Someone stole {$9100.00} from my account without my knowledge or consent. The representative I spoke with was very one-sided and continued to interrogate me, and not actually submit a fraud claim on my behalf. I requested a fraud claim confirmation and was told they only referred my issue. There is no evidence of me filing a fraud claim, and I can't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
I am initiating a dispute and investigation regarding these wrongfully reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates the reporting of any incorrect accounts on a consumer 's 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 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I opened a Prosper Credit Card and never once missed a payment ; however, the card was practically rendered useless as they would restrict the card every single month to review 'potential fraud '. I have called them multiple times, but when they refused a charge for a copay for my doctor and my car insurance, stating their policies prohibit charges from doctor 's offices and similar vendors, especially while I was undergoing flare-ups of a medical condition, I had it. I tried talking to XXXX different people at Prosper Services, and upon finding out they chose to block charges to medical providers, given my condition, this is, to me, blatant medical discrimination. I have met my obligations and never missed a payment, but I'm subjected to discrimination and the refusal of them to pay charges when I only used perhaps a quarter of the limit of the card, which is {$1500.00}. 

I felt diminished. I am working a full-time job, pursuing my MSW, and it was utterly cruel to dehumanize me by refusing to pay ongoing medical charges and copays. And what's more, they were clear on this over the phone. It was blatant. While health care providers can refuse to take credit cards, credit card companies can not refuse to pay medical providers if their customers are paying the bill at the end of the month. 

I paid off the card and closed it today XX/XX/year>. I can not hold a card where the company participates in medical discrimination. I am very concerned about other customers of this company that they are marginalized and disenfranchised.

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 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
While reviewing my credit report I noticed fraudulent activity. Please close all fradulent accounts and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
This is my sixth attempt to inform you of inaccuracies in my credit report. I am writing to dispute these erroneous items. These entries do not correspond to any transactions involving goods, services, or money that I have conducted or authorized. I kindly request the removal of these misleading items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}. The disputed entries are unfamiliar to me, and the details provided about them have been removed by other credit bureaus. I have serious doubts about their accuracy, and the payment history reported is not recognizable. Under FCRA 605B ( c ) ( 1 ) ( C ), I request the authority to have these items rescinded.

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 2024-07-03 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: AZ

Complaint narrative:
This is my sixth attempt to inform you of inaccuracies in my credit report. I am writing to dispute these erroneous items. These entries do not correspond to any transactions involving goods, services, or money that I have conducted or authorized. I kindly request the removal of these misleading items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}. The disputed entries are unfamiliar to me, and the details provided about them have been removed by other credit bureaus. I have serious doubts about their accuracy, and the payment history reported is not recognizable. Under FCRA 605B ( c ) ( 1 ) ( C ), I request the authority to have these items rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX I Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have XXXX different cards with Citi Bank for over XXXX  years of usage. Never an issue or payment problems. Recently I forgot about an old business card I never used and hadn't updated the autopay account this bounced a {$25.00} fee XXXX times because I dont access that account or email. once I saw this i went on and changed the account and paid all dues in full. Citi decided at that point to clean house of all my accounts. They closed all of my accounts with no notice while I was in XXXX with not other option to pay there. They almost certainly stranded me and shutdown my XXXX personal cards that have never had an issue or a missed payment. They decided to shut down my rental business card as well with XXXX reason. They have just said due to this XXXX old business card issue they closed all my accounts with no notice. This is the most insane thing ive ever seen and when I tell others they dont even believe it all over a {$25.00} payment they closed XXXX accounts and XXXX years of history. Every time Ive called customer service they just say " a letter has been mailed and we have no information about these accounts just they are closed and can not be reopened. '' The letter they sent says you had a bounced payment in the last XXXX months so we closed all of your accounts. I would have loved a phone call or a heads up when this first happened or something instead of no warning shutting down all my accounts when i was overseas. If it helps add anything to this my total credit lines with citi was over {$50000.00} in credit line and they decided that a {$25.00} payment on an old account was enough to close it all. Ill do my best to tell every single person I can ever meet to never use this bank ever again due to trying to strand an american citizen with no payment method and no heads up.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/year> XX/XX/XXXXXXXX XXXX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Gredit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.I request a thorough investigation into these inaccuracies. 
15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
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