vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
We assumed a VA loan from Freedom Mortgage in XX/XX/XXXX, and at no point during the assumption process or closing were we informed that it was an adjustable-rate mortgage ( ARM ). All documents provided at closing indicated that the interest rate was fixed. 

In XX/XX/XXXX, we noticed on our paper statement a note next to the interest rate stating " until XX/XX/XXXX, '' which raised concerns. This was the first indication we received that the loan might be adjustable. We immediately contacted Freedom Mortgage, and they confirmed the loan is an ARM. 

We requested the Adjustable Rate Mortgage Disclosure in XXXX, but as of today, we have not received it. The lack of disclosure during the assumption process and closing, coupled with the delayed provision of the required ARM disclosure, has caused significant distress and confusion. 

We seek assistance in addressing this issue, ensuring compliance with disclosure laws, and obtaining the proper documentation.

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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
XXXX and XXXX XXXX  I am making a complaint against First Citizen 's Bank for their discriminatory practices and policies against the Constitution for the united states of America whereas First Citizen 's Bank iXXXX XXXX XXXX South Carolina violated the unalienable rights of the XXXX  by requiring the XXXX  to produce documentation from a source other than the XXXX  itself to prove the XXXX  was a non 501 ( c ) ( 3 ) or any other non 501, or non government regulated entity. In this way First Citizen 's Bank breached the self governance of the XXXX. XXXX Citizen 's Bank ( FCB ) assistant vice president XXXX XXXX decided that he felt uncomfortable about opening an account on behalf of the XXXX articulating his suspicions that ( XXXX ) the XXXX 's address was improper due to its physical location and ( XXXX ) the XXXX had not provided " proper 508 ( c ) ( 1 ) ( a ) documentation to his satisfaction. These actions concomitant questions here are ( XXXX ) did the agent ( XXXX XXXX ) determine the business address of the XXXX was fraudulent or in violation of FCB 's policy for business addresses? ( 2 ) did the agent determine that all the documentation presented along with the XXXX 's authorized representatives ' statements were fraudulent, insufficient, or improper? If the answer is yes to any of these questions then why did the agent fail to produce evidence to support such determinations? 
These actions have resulted in the fundamental rights of the XXXX being violated by FCB through its agent XXXX XXXX, as well as loss of cash/capital donations. We seek to have these issues addressed and resolved immediately. 
We have reached out to FCB to file a complaint since that date on XX/XX/year> we did hear from a guy named XXXX XXXX but nothing with helping open a church account ... thank you. .FIRST CITIZENS BANK XXXX XXXX  XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received the gifts 1.5 years ago. 

I used some of each card and have not been able to use the balances. I called Amex and after waiting a long time they said the cards were good. 

On XXXX. I confirmed online that the balances were available. 

XXXX. I tried to use the card and it was denied. 

One card there is a {$23.00} balance The other card has a {$180.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 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:
Subject : Dispute of Unauthorized Credit Inquiries I have discovered inquiries on my credit report that were made without my authorization. After reaching out to the creditors responsible, they confirmed they have no records or evidence showing that I initiated these inquiries, nor did they receive any written or verbal consent from me. Given the lack of a valid basis for these inquiries, I am formally requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-12-11 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 conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: UT

Complaint narrative:
XX/XX/year> To whom it may concern, I am writing to dispute the following information that appears on my credit report from XX/XX/year> : JEFFERSON CAPITAL SYST I never had a contract with this debt collector for any debt. Please provide proof of license to collect debt in my state, chain of custody, and the purchase agreement from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AZ

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-11 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: AZ

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-12-11 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: CA

Complaint narrative:
Hello I found two unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit 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 non-monetary relief
Consumer complaint received 2024-12-11 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: NV

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 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 no longer contains 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 others bureaus I don't 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 I 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

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 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.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 no longer contains 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 others bureaus I don't 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 I 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Emailed Navient in request of the School Misconduct Discharge Application because I attended a predatory school and am seeking to challenge my private student loans, which were originally serviced by Navient before being transferred to XXXX. Now I'm getting an email stating Navient switched to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-12-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Subject : Insufficient Response to Dispute of Late Payments Account Number : XXXX To Whom It May Concern, I am writing in response to your letter regarding my dispute of late payments reported on my account ( Account Number : XXXX ). While I appreciate the effort to provide a payment history, your response fails to satisfy the requirements under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy, completeness, and validity of the reported late payments. 

Key Concerns Regarding Your Response : Failure to Provide Proof of Notifications or Communications : My original dispute specifically requested copies of notices or communications sent to me regarding the alleged late payments. 
Your response did not include any documentation proving that I was notified of the late payments, payment due dates, or delinquency status. Without these notices, the late payment claims remain unverified and incomplete. 
Lack of Evidence Supporting Electronic Billing : You stated that billing statements were available electronically. However, you did not provide proof that I consented to receive electronic billing as required under the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ).

Additionally, there is no evidence showing that these electronic statements were delivered in a timely manner or were accessible to me.

Incomplete Verification of Late Payments : While the payment history provided shows dates and amounts, it does not confirm : That I was properly notified of my payment due dates.

That the alleged late payments align with the agreed terms of my loan.

As such, the information remains unverifiable and fails to meet the standards set by the FCRA.

Arbitration Costs and Unfair Processes : I am also aware that resolving disputes through arbitration could incur significant costs, including a {$360.00} initiation fee, an additional {$1400.00} shortly thereafter, and daily arbitrator fees ranging from {$1500.00} to {$2000.00}. These costs place an undue burden on consumers seeking to resolve disputes fairly and transparently.

Proposal for Resolution : We can resolve this matter in one of two ways : You can remove the late payments for the months XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX ( XX/XX/XXXX ) from my credit report. 

Alternatively, we can proceed to arbitration, and your company can incur significant fees in the process. I am prepared to pursue arbitration if necessary, as I am confident my consumer rights have been violated, and I will ensure my case is reviewed thoroughly. 

I am fine with either option, but I encourage your company to reconsider its position and resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
the XXXX deposited my funds into Money Network. I have previously been able to use the online method to transfer to my personal checking account. I tried today- XXXX ( previously I had done it in XXXX and it worked ). Today however, I could not get it to work. I called multiple times at different times of the day to find out why it wasn't going through. They had no idea. finally got through to someone today who said they can see I'm trying to transfer but it's not going through. speak to a supervisor - another clueless agent, who had no idea and all they say is 'go to an ATM ', 'go to a branch and withdraw the funds ', 'use another bank account '. I don't have another bank account and I am certainly not going to be withdrawing {$6000.00} from an ATM, I don't have a branch of the bank I need to deposit into near where I live. so none of these options work. The whole point of their product is to be able to do it all online. their product doesn't do what they say it does. The last agent even said the bank I'm trying to transfer to shouldn't be an issue. so I asked to be transferred to support to get this working. they couldn't because they don't even have a support department.

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