vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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:
As a new mother XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my deep distress and frustration regarding the inaccurate information that has been reported on my credit file. This situation has placed an immense burden on my family, causing emotional turmoil and financial strain that we can ill afford. 

Navigating the challenges of motherhood while coping with the repercussions of an unjustly damaged credit report has proven to be an overwhelming experience. As we eagerly await the arrival of our second child, the financial stability and peace of mind necessary for a growing family have been compromised. 

Furthermore, I want to bring to your attention that you have violated the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai by reporting transaction or experience payment history and credit utilization on my consumer reports. Congress clearly states that this information is not to be included in consumer reports. This not only impacts my financial standing but also infringes upon my right to accurate and private credit reporting.

Additionally, my right to privacy has been violated, as outlined in 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. The inaccurate information on my credit report has exposed personal details that should have remained confidential, adding another layer of distress to an already challenging situation.

I kindly request the Consumer Financial Protection Bureau 's intervention to expedite the resolution process and address the financial hardships my family is enduring. I am not only seeking correction of the errors on my credit report but also fair compensation for the emotional distress, financial strain, FCRA violation, and the violation of my right to privacy. 

If these requests are not granted, I want to emphasize that I am fully prepared to exercise my legal rights as a consumer and initiate the arbitration process. The arbitration process will not only underscore the gravity of this matter but also incur additional costs for the involved parties. The business filing fee is {XXXX} for a decision without a hearing, {XXXX} for one arbitrator, and {XXXX} for three arbitrators, with a {XXXX  case management fee for one arbitrator, XXXX for three arbitrators, and a XXXX hearing fee. Arbitrator fees are {XXXX  for no hearing and {XXXX} for a hearing.

I sincerely hope that a fair and timely resolution can be reached without resorting to the arbitration process, and I appreciate your understanding and assistance during this critical time. Your prompt intervention can make a significant difference in alleviating the burden on our family and ensuring a more stable and secure future for my children. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company XXXX report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and XXXX have yet to follow the law and undue the damages of fraud and unauthorized opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a massive water damage to my home and i received a settlement check from my insurance company to repair the damages.

All the parties payable on the check endorsed the check ( My self, My wife and my Mortgage company ) and the check was deposited to my checking account. The bank returned the check stating that the check must be payable only to my name and i should contact my insurance company to reissue a check under my name. When i contacted my insurance company they said as long as a Mortgage involved to the property any settlement checks will be issued to payable to all parties involved and the banks should know the
procedure.

The water damage happen to my home on XX/XX/year> and i can not start the repairs because of the bank not releasing the money to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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:
XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My Experian file was reported late on but then revised to reflect current on XXXX. At that time, Transunion and XXXX reflected current. On XXXX, both Transunion and XXXX are reflecting late in XXXX while XXXX is still reflecting current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and Equifax reflected current. On XXXX, both XXXX and Equifax are reflecting late in XXXX while XXXX is still reflecting current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
I was a victim of a XXXX  as a XXXX veteran. Identity theft was done against me as a result of this with mortgage accounts opened with the following XXXX mortgage companies below XXXX. Amerihome Mortgage Company. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I did a loan with rocket mortgage on a VA loan they took and it was only supposed to be lot number XXXX only for my house sets on they attached three other lots without me knowing it and they had on the paperwork signature not required and never showed me that they put those other three lots on there I sat there and talked to him and told him that and they said they can do it and there ain't nothing I can do I asked to speak to her upper supervisor she says she don't have one and whatever she says is what's told so I went through the process of trying to get the other three lots released because I sold one not knowing that they even had a lien on it and I don't did everything that they told me to now the one I sold they want me to take and get a survey on which the people is not going to let me on their property to do it and I explain that to him and they said that if I don't that they can foreclose on my loan as a default and they will request the whole amount paid in full at this time I try to talk to him and they would not take and talk to me anymore they just keep threatening me about foreclosure and the individuals where I said we were talking cuz they supposed to be recording all this and when I did the first recording of getting the loan all of a sudden all the cordon 's are gone except for what they got to go against me I don't feel that this is right they were deceitful and they're very nasty and threatening I am a XXXX XXXX XXXX XXXX percent XXXX veteran and it's really driving me I can't stop thinking about it I haven't slept I don't think this is right and I don't think they should do a veteran like this when they were very deceitful in the beginning and not done what was told and then they took and hid the paperwork which we didn't know never received a copy of it and they did not show me any type of what the the property 's worth my house is valued over XXXX and the loans only XXXX I am so scared that they're going to try to take him foreclosed on my house which they have took and told me that and I guess the only thing I can do is go to somebody else and pay her higher mortgage rate which I shouldn't have to it was there deceitfulness in the first place. please give me a help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my consumer reports and noticed that I had 3 hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks, Please see the below inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Information from this THIRD-PARTY NON-AFFILIATE was acquired without my knowledge, permission, or consent. This information that is reported from ChexSystems was not authorized by me, and I DO NOT give them the permission to report any of my non public personal information. This is including EVERYTHING that is being reported including my Transaction history. Which is also illegal for ChexSystems to have as a non-affiliate, especially because I NEVER PROVIDED CONSENT, WRITTEN, UNWRITTEN, VERBAL, OR NOT VERBAL, for my personal non public information to be provided to this Third-Party company. I take back any consent that was provided on my behalf by any company that illegally provided my personal information to ChexSytems, which is not allowed, I am also opting out of reporting by this third party non-affiliated company ChexSystems, from providing non public personal information ON ALL of my consumer credit report. INCLUDING ILLEGAL TRANSACTIONS HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company AFFIRM report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and affirm have yet to follow the law and undue the damages of fraud and unauthorized opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband name : XXXX XXXX My Name : XXXX XXXX Complaints to citiGold/fraud department at Citibank. 

We have had our citigold account for many years. In XX/XX/year>, someone stole our money about {$15000.00}. We reported it to the fraud department, and called citigold, and went to XXXX different local branches. We spent hours and hours on the phone with different agents from citigold, fraud department etc. 

After XXXX  days of investigation, we received the bank statement stating we owed citigold {$15000.00}. We are promised to be reimbursed yet nothing has been done. 

It is very easy to identify the fraud on the account in the XX/XX/year>XXXX XXXX  statement : Many {$400.00} withdrew XXXX after another. 
Many {$500.00} withdrew on after another. 
{$5000.00} XXXX withdrew. 
{$200.00} withdrew It does not seem Citibank has any intentions to reimburse the stolen money. There are a lot of articles online stated citibank refuses to reimburse clients with stolen money. XXXX article states that Attorney General sues Citibank for the same reason on XX/XX/XXXX, XXXX article is here : https : //ag.ny.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We need your help to get our stolen money back. Please advise.

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 monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was on unemployment in the state of Oregon in 2021. My unemployment claim says I received {$17000.00}. But I did not receive that much money. On the day it was deposited it was XXXX XXXX and the deposits went up more than the weekly payment then went down. I tried to copy the transaction history as proof. The website for the bank did not allow screen shots so I had to hand write it. I did. I also got locked out because of password issues. During that time I believe it was in XX/XX/2021 the bank website did a reface, changed their website platform. When the website was refaced it no longer said the same thing. I know that sounds off. Im not a bank savvy person. Its been 2 years I dont remember exact dates. I lost my journal and I have a job am working so I dont know what happen but I know I did not receive that money. I believe it was the bank that took that money because I do recall them saying there was a card request and I didnt request it and they couldnt tell me who did. I did call the bank several times in 2021 to get them to look into it but to no avail. I think it was fraud on the bank end because they were the middle man between my unemployment claim and my receiving the money. It was all so confusing and frustrating. I hope this helps you to check into that bank and their employees. 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 2024-02-04 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 filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity so why is Transunion reporting a date last active as of XXXX, while XXXX reports a date last active as of XXXX? Both are untrue, and inaccurate! This account is to be removed from my credit report due to FCRA violations. The correct information is below. I will be keeping record of our correspondence for court records. Also, I have proof from XXXX XXXX  that the information being reported is inaccurate. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: AE

Complaint narrative:
I was a victim of the data breach. I filed a complaint through Equifax that the names on my credit report are not me. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is not me. I submitted my ID to show them and all then nothing happened and I never heard anything back from them again after they said they are reviewing the information. It was in year 2021 I tried to fix this, but it's still on there, so I cancelled my Equifax service with them because they did nothing to fix it or said anything about it a couple months to a year later which is why I cancelled my service with them. My attachment shows the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff Lending LLC you are reporting incorrect information for account XXXX. Your company is reporting a late payment for XX/XX/2021. During covid, my payments were deferred with Kikoff so there should not be any late payments reporting. Under the CARES act I have this right as a consumer. Furthermore, the company did not validate any of the late payments reporting. Please remove the late payment your company is reporting for XXXX of 2021 and advise the credit reporting agencies to send an updated credit report within XXXX  days. If this is not updated, I will have no choice but to proceed with legal action against Kikoff Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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:
I paid this account in full. it has still been reported on 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 2024-02-04 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:
I paid this account in full. it has still been reported on 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
This is a continuation of Complaint ID # XXXX Evidently, CFPB has not contacted Indigo/Concora on my complaint because I have received a letter attached from them stating that they reject my dispute on my Account but they still show ( when I tried to make a payment right after this happened ) of {XXXX, they showed on the payment online that I owed XXXX plus a {XXXX} late charge. I did not pay that. As I showed to CFPB, I made both payments and the one through XXXX XXXX XXXX XXXX XXXX. The one from XXXX did not and I showed that the account is opened AND that I had funds in that account. But then I get this incoherent letter from Indigo/Concora stating that they rejected my dispute because a payment of {XXXX was returned from XXXX. ( They must mean XXXX} ) Which I showed that there was funds in the account and I had paid 6 or 7 other credit card accounts through that account. ( you have the statement ). Since CFPB is having difficulty understanding this transaction, can you have a Superviser call me at XXXX. 
Thank you, XXXX XXXX XXXX XXXX I had also attached in previous e-mail letter from my Attorney that it looked like to her that they were trying to extort additional fee income from an older person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, is reporting a wrong account in my credit report that i dont recognize as mine this a fraud ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief