vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed.

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX  High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor.

Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
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
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Name and the address are incorrect I have called and to multiple representatives from The 3 credit bureau and they are not fixing it XXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The Name and the address are incorrect I have called and to multiple representatives from The 3 credit bureau and they are not fixing it ExperienXXXX XXXXXXXX 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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When booking a flight on XXXX XXXX at the payment step an offer is shown by Citi cards to save {$200.00} and get XXXX miles. I applied and was approved, but was then told my card would not arrive for 7-10 days and the offer was not available for the flight I was booking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I suddenly ( out of my control ) had to switch careers at over XXXX XXXX XXXX, thinking XXXX  would be a beneficial move. XXXX XXXX XXXX XXXX XXXX seemed promising, especially with their claim that over 80 % of graduates secure a job within a few months. However, I haven't been able to find any employment since completing the program. Despite my certificate from XXXX, I haven't received any preferential treatment in the job market. 

I've exhausted all my savings and maxed out my credit cards to keep up with the monthly payments. I requested a deferment of my payments XXXX  months ago, but I was told on XX/XX/year>, that I needed approval for the deferment and would hear back. It's now XX/XX/year>, and I still haven't received any response. 

Adding to my frustration, I've had to be extremely cautious about the companies I apply to, ensuring they're legitimate and not scams. Unfortunately, my information has been compromised twice during my job hunt, forcing me to freeze my credit to prevent further fraudulent activity. 

To make matters worse, I found that most companies prefer a XXXX XXXX XXXX for the positions I was told I would qualify for with the XXXX XXXX. As a result, I am now enrolled in a local XXXX  college to pursue a XXXX 's in XXXX, which will take me 1.5-2 years to complete. None of the information provided by XXXX, XXXX, Climb Credit, or other affiliated companies has been accurate, making this entire experience a total waste. 

This situation is unbearable and is causing significant financial and emotional strain. I'm questioning my sanity as I struggle to manage my already tight financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} - late/Open XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$2500.00} - Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} - Late/Open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a business checking account on XX/XX/XXXX with the promo code XXXX which states that if I deposit {$30000.00} within 30 days and maintain the {$30000.00} balance on day 60, I'd receive a {$900.00} bonus. The terms also indicate that if I maintain a {$25000.00} average daily balance, the monthly service fee would be waived. I completed the {$30000.00} deposit of new funds on XX/XX/XXXX and was not charged a monthly service fee for the statement period between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I was assessed a XXXX XXXX  monthly service fee which brought by balance down to {$29000.00} even though I met the requirements to for a monthly service fee waiver by maintaining a monthly balance of {$25000.00}. The unmerited assessment of {$30.00} put my balance under the {$30000.00} stated which disqualified me from the bonus. Please see the attached statements for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: HI

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I started a dispute with XXXX credit agency for inaccurate reporting. I provided them with proof of the errors but they refused to remove the extremely deceitful account from my credit report. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
This complaint has been submitted to the CFPB in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, as a credit reporting agency, block the fraudulent information on my consumer credit report within four business days of receiving this complaint. The false and inaccurate information includes a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number ( private ), an auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX, under account number ( private ), and an auto loan account at XXXX XXXX XXXX , opened on XX/XX/XXXX, under account number ( private ) .These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my credit report. I have attached a list of the disputed hard inquiries as well as a copy of the consumer FICO credit report showing the fraudulent items. I do not recognize these accounts, collections, or inquiries. They were not opened or authorized by me. All of the mentioned accounts, collections, and inquiries are due to identity theft and fraud. To support my claim, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
XX/XX/year> I checked my credit report and found that I had a public account Bankruptcy showing the case number is XXXX is what displaying on XXXX i contacted the United States bankruptcy court and was told they do not report to the credit bureaus. I was lied to By XXXX I am requesting that this public record be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
XX/XX/year> I checked my credit report and found that I had a public account Bankruptcy showing the case number is XXXX is what displaying on XXXX i contacted the United States bankruptcy court and was told they do not report to the credit bureaus. I was lied to By XXXX I am requesting that this public record be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
I had my mortgage loan transferred from Flagstar to XXXX XXXX. I got a message from XXXX saying my home insurance wasn't paid. I called XXXX XXXX and they blamed Flagstar, but took my info and said they'll pay XXXX through my escrow. 

I contacted XXXX and they said by the time they get the payment from XXXX XXXX my insurance would be cancelled. The only way to prevent that would be to make the payment myself for over XXXX XXXX. I did make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Description of What Happened : I am submitting a formal complaint regarding errors in my car loan with XXXX and my mortgage with Carrington Mortgage Services. These inaccuracies have not only caused confusion and financial distress but have also significantly damaged my credit score. 
XXXX XXXX XXXX : My car loan with XXXX was paid in full on XX/XX/year>, for the amount of {$20000.00}. Despite this, the account has not been updated to reflect the paid-in-full status, leading to errors in reporting. 
Carrington Mortgage : My mortgage payments to Carrington Mortgage Services have been made on time every month in the amount of {$2500.00} from XX/XX/year> to the current date. However, there are discrepancies in the recorded payment history and balance. 

As a result of these errors, my XXXX XXXX has taken a substantial hit, dropping from XXXX to XXXX, which is completely inaccurate and unfair. 

I am requesting an urgent investigation into these matters to correct the errors and restore my credit history. 

Desired Resolution : Update and correct the XXXX car loan to reflect the paid-in-full status as of XX/XX/year>. 
Correct the payment history and balance on my Carrington mortgage account to reflect on-time payments of {$2500.00} monthly from XX/XX/year> to the current date. 
Immediately correct my credit report to reflect accurate information and restore my credit score to its rightful standing.

Thank you for addressing this matter promptly. Please let me know if additional documentation or information is required to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have 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 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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. Please delete the unauthorized inquiry listed below : XXXX, Date of inquiry : XX/XX/year>, TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I recently reviewed my credit report. I noticed my account was not reporting accurately. It shows that I had two late payments that was in fact paid on time. The creditor reporting need to report all information with complete accuracy. My account have not been late on an payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting more investigation on this matter and verifiable proof with records showing that I had late payments. If this information can not be verified please update payment history to paid on time. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 recently reviewed my credit report. I noticed my account was not reporting accurately. It shows that I had two late payments that was in fact paid on time. The creditor reporting need to report all information with complete accuracy. My account have not been late on an payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting more investigation on this matter and verifiable proof with records showing that I had late payments. If this information can not be verified please update payment history to paid on time. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my address, My name is incorrect on my credit report and is affecting my credit can you please take that off or updated I will upload a link in the file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
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 explanation