vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a home equity line of credit with Bank of Texas, owned by XXXX XXXX. I filled out the requested forms and delivered the desired documents in a timely manner. On XX/XX/XXXX, I was told I needed to update our homeowner policy to include my partner because she is vested on the title to the house. I did so and was told at the time that my partner would need to sign a disclosure because they were vested on the title. After I signed the same disclosure, I asked Bank of Texas twice if there were any more documents to sign. They affirmed in the negative that there were not. On XX/XX/XXXX, we were told to expect closing on or around XX/XX/XXXX. On XX/XX/XXXX, we had finalized a closing date of XX/XX/XXXX. Immediately after finalizing this closing date, we were told that the Bank had forgot to send us the disclosure previously mentioned for my partner to sign. Because of the 12 day legally mandated waiting period in Texas, this forgetfulness delayed our closing significantly. This has caused undue hardship on myself and my partner as we have to delay our renovations until the funding is received. The house isn't in a livable state during current renovations and we are forced to find alternate lodging in the interim. Bank of Texas negligence has created a financially stressful and difficult situation for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I DISPUTED ACCOUNTS WITH TELETRAK DUE TO BEING A VICTIM OF HUMAN TRAFFICKING AND IDENTITY THEFT I HAVE SENT THE ATTACH DOCUMENTS AND THEY CLAIM THEY HAVE NOT GOT THEM. IT HAS BEEN PAST FOUR BUSINESS DAYS. and they are failing to block this as well as i sent the identity theft report and victim attestation document below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  : Account number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX XXXXXXXX XXXX : Account number : XXXX DEPT OF EDUCATIONXXXX : Account number : XXXX, XXXX XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXXXXXX XXXX XXXXXXXX open date is not reporting correctly, I did not open this account, account has been charged off, still reporting negatively on my report, this account is not accurate XXXX XXXX XXXXXXXX this account is not accurate, account has been charged off, I did not open an account with his lender, reporting negatively on my report, XXXX XXXX this account is not accurate, account has been charged off, reporting negatively on my report XXXX XXXX XXXX XXXX XXXXXXXX this account is not accurate, I do not own this account, reporting negatively on my report, open date is reporting incorrectly XXXX XXXX XXXX this account is not accurate, reporting negatively on my report, account is paid off XXXX XXXX XXXX XXXX XXXX never had a contract with this debt collector, this account 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 2024-11-13 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXXXXXX XXXX Date of inquiry : XX/XX/scrub>XXXX Bureau : Experian.

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 2024-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to formally request the immediate blocking and deletion of the following accounts on my credit report due to a recent data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed to prevent any potential misuse and further harm. 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I transferred a balance to my Citi simplicity card at a 0 % interest rate. I have reviewed every single one of my financial statements for the past 9 months and they all clearly state for my balance transfer : XXXX  XXXX ( Balance Transfer Rate Until Paid in Full ) 0.00 %. If any competent human alive reads that, they would assume that the interest rate for the balance transfer only will be 0 % until paid in full, otherwise it would show an end date for the 0 % interest and tell me that interest would being accruing on a specified date. I have 9 months of financial statements from Citi that show exactly what is typed above, 0 % until paid in full, not 0 % until XXXX date. I have reached out to Citi and asked them for clarification and was told to ignore the past 9 months of financial statements and that I will be accruing interest starting in XXXX, even though my financial statements from them indicate something entirely different. I have chat transcripts and screenshots of my statements showing the 0 % until paid in full going back the past 9 months. I am asking the CFPB to step in and hold Citi liable for keeping their promise ( as indicated on my past 9 months of statements ) of 0 % until paid in full. Had the statements shown me that I would be accruing interest in XXXX, I would have been making bigger payments on the card. Please someone, anyone help me - because Citi isnt. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company 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 2024-11-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXXXXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company 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 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was sold from my loan originator to XXXX XXXX XXXX  in XXXX, and then sold again from XXXX XXXX XXXX to Mr. Cooper in XXXX. Prior to being notified I made my XXXX loan payment in full to XXXX XXXX XXXX. Mr. Cooper has never fully posted the XXXX payment. The amount total payment amount is {$3100.00}. {$320.00} principal, {$2200.00} interest and {$530.00} escrow. Mr. Cooper only posted the principal and interest in the amount of {$2500.00}. They claimed they never received the escrow from XXXX XXXX XXXX, but I have the statement from XXXX XXXX XXXX  showing the funds were sent to Mr. Cooper on XX/XX/year>. I have had to make an additional payment of {$530.00} to Mr. Cooper as I was threatened with impacts to my credit score. This issue is concerning as a consumer having no recourse for Mr. Cooper who now owns my loan and has not found this money that I paid. I have escalated this with Mr. Cooper and sent them the payment information from XXXX XXXX XXXX, but still have not had this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC
State: IA

Complaint narrative:
On XX/XX/year>. The debt collection company called my Employer, Mother, Father, and sister. They also called me. They called my previous employer. Violation XXXX. Debt collector stated social security on phone to me. How were they sure it was actually me? They called my sister at XXXX. Waking my sister up from sleep. Debt collector claimed it did not matter since they were in est time zone. Sister is in hst time zone. Supervisor on phone was very hostile and hung up phone before my sister could tell her about how to contact me. Violation two. Sister found out they were a debt collector trying to reach me to pay debt via the second phone call. Violation three. Debt collector was hostile enough to cause me a mental health episode that almost required emergency care. Debt collector should not have called my family stating they are trying to reach me about an imperative matter. This made every individual that they called think I was in danger or injuredXXXX XXXX have you listed as a possible associate for a XXXX XXXX XXXX my office is handling a matter regarding XXXX and it is imperative that I do speak with her today I was unable to reach XXXX XXXX this morning Due to all of this we need to reach a resolution. I am on full XXXX. I do not need to be contacted about this. What occurred was not ok and was not legal. All actions will be taken so the individuals will be held responsible if full resolution does not occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX XXXX XXXX open date is not reporting correctly, I did not open this account, account has been charged off, still reporting negatively on my report, this account is not accurate XXXX XXXX XXXX  this account is not accurate, account has been charged off, I did not open an account with his lender, reporting negatively on my report, XXXX XXXX this account is not accurate, account has been charged off, reporting negatively on my report XXXX XXXX XXXX XXXX XXXXXXXX this account is not accurate, I do not own this account, reporting negatively on my report, open date is reporting incorrectly XXXX XXXX XXXX this account is not accurate, reporting negatively on my report, account is paid off XXXX XXXX XXXX XXXX I never had a contract with this debt collector, this account is inaccurate,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
XXXXXXXX XXXX  XXXX fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with TransUnion, XXXX, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX  XXXX fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with XXXX, Equifax, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1
002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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