vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: NC

Complaint narrative:
I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX : XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - =======Equifax : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX  Open Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: SC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: MT

Complaint narrative:
EXPERIAN INFORMATION SOLUTIONS , INC. has falsely reported an active date for a credit card account that I have had closed with their company. The " active '' date has been falsely reported for over XXXX  months on my credit report, which as the true final active date of the account in mention was in the month of XXXX, in the year 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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I opened an account in XXXX  for the Discover IT student card. Discover stated that they requested documents from me which I never received a letter in the mail in regards to. The forcefully closed my account with any notification or warning of closing the account. This now lingers on my credit report as a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
We have an XXXX Account on our Mortgage. We pay Principal, Interest, Escrow, Taxes, Insurance and Shortage each month on time. The company Flagstar Bank, a subservicer of XXXX recently sent a letter indicating that they plan to buy hazard insurance that may cost more than we currently pay. Insurance costs currently paid to Flagstar Bank has not expired and we should not be threatened with increased charges for insurance that is paid into an Escrow Account collected on time each month in full. The bill for the Mortgage Payment next month arrived on the same day as the letter indicating that insurance charges may be increased. I request an investigation of the practices of XXXX subserviced by Flagstar Bank related to overcharging for XXXX 's insurance. Given that funds are paid into the Escrow account each month to Flagstar for payment of insurance, Taxes and Shortage no Homeowner 's Insurance should have expired. No threat of increased cost should be sent to Homeowner 's who pay all funds due in full and on time each month. We have owned the property since XXXX. Never have we experienced a threat of increase fees for payments that were made in full and on time.

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 2024-03-09 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-09 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I first disputed this account in XXXX  when i recieved a response claiming that XXXX can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. XXXX can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. XXXX cash is never to be applied, accepted or bargained with. 
XXXX XXXX has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request Transunion, and Experian to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness.

My credit report has serveral errors and the company XXXX is out of compliance per sec. XXXX - Compliance Procedures **** EFFECTED IMMEDIATLY TO : XXXX THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

XXXX XXXX Transunion did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations XXXX violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.

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 2024-03-09 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: FL

Complaint narrative:
I first disputed this account in XXXX  when i recieved a response claiming that XXXX can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. XXXX can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. XXXX cash is never to be applied, accepted or bargained with. 
XXXX XXXX has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request XXXX, and Experian to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness. 

My credit report has serveral errors and the company XXXX is out of compliance per sec. XXXX - Compliance Procedures **** EFFECTED IMMEDIATLY TO : XXXX THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

Experian XXXX XXXX did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations XXXX violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.

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 2024-03-09 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: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-03-09 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Upon checking my credit report on XXXX XXXX I noticed a fraudulent account on my credit report I did mention to original creditor about this account but their fraud process was way to complicated to complete for me at the time at XXXX then they sold or transferred account to a collection agency Credit Collection Service account # XXXX wow this is not right they already sent me the paperwork which was to an address I was never associated with and I explained to XXXX this was not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
I received your response XXXX ( XX/XX/2024 ) that you need my updated email address which is ( XXXX. ) I sent a complaint on ( XX/XX/2024 ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.

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 2024-03-09 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: NC

Complaint narrative:
I received your response XXXX ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint on ( XX/XX/year> ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today XX/XX/08, during a XXXX minute phone call regarding the same account I filed a complaint on earlier in the week, I authorized a BofA call agent to withdraw {$50.00} from my checking account to apply to acct XXXX she instead applied the funds to acct XXXX jeopardizing the status of both accounts. During this call I did receive notice that the previous cfpb complaint had been resolved in my favor. The call today was another case of BofA calling me to claim they had ways to help me resolve my debt when in fact they had no intention of doing so. The length of the call certainly reaches the threshold of harassment. Along with deceptive practice of claiming they have ways to " help '' and then refusing to do so again and again. On this particular call the rep repeatedly put me on hold and then came back every minute or so saying she was still there working with a colleague. This amounted to the bulk of the call, and the funds transfer had happened prior to the on and off hold. They had to have seen that the payment I authorized was credited to the incorrect account. I am receiving special care for XXXX, XXXX XXXX of XXXX  electronically monitors my XXXX XXXX, and of course this level of harassment is not helpful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX  Balance : {$51000.00} DEPT OF ED/XXXX  XXXX Balance : {$71000.00} XXXX  XXXX Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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