vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/XXXX, after an offer acceptance for a second home mortgage for a purchase price of XXXX I discussed down payment options in depth with the mortgage lender I was working with at Huntington Bank. He explained the different points costs involved with the different down payment options. The 15 % down option had points fees of {$3600.00}. I asked for the initial disclosers to be adjusted to 15 % but was told and have proof in an email to 'go ahead and sign the disclosure as is at 20 % and he will update the paperwork to 15 % down '. Assuming this would be done, I did not look extensively into other lenders because I was satisfied with the rate and 15 % down payment option. On XX/XX/XXXX in the afternoon on a Friday, my lender called me to inform me that we had to change our down payment to 20 % because anything less would exceed the allowable threshold of closing costs of 3 % of the loan value. Now, I did not know there was an allowable maximum for closing costs but I would assume a lender would be very familiar with this. The points cost of XXXX would be 2.88 % already of the mortgage loan and it would be obvious to assume that a loan amount of this size at a points cost of this amount would not work. This should have been communicated in the beginning of the mortgage process. I asked for Huntington to negotiate their points cost so that we could meet the requirement to put 15 % down due to the miscalculation and miscommunication of the lender but this was denied. We were stuck making a decision about 10 days before we were contracted to close on putting an uncomfortable 20 % or risking losing our house by looking into other lending options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: VA

Complaint narrative:
My debt was sold to two third parties. It was sold to borrower XXXX. I was never contacted by this company nor notified about any debt from this company. I did not personally provide them with any of my personal information. I am requesting a validation of the debt, I am disputing the debt because I do not have any business with them nor had any prior communications or knowledge with this company. I do not have a contract with this company. I need for this to be deleted off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My mobile device no longer could get calls or make calls. I used another device to contact customer service only to be told by the representative that there was three calls placed, from someone identifying themselves as me. That individual took my phone number XXXX and transferred it to my daughters XXXX  XXXX. Took my daughters phone number and it became obsolete and then my phone was given another new number in its entirety. Which was XXXX. 

I asked numerous questions, I asked for security, they refused to give me any information. 

Of course immediately due to security reasons and lack of the ability to protect my privacy and the privacy of a minor child I terminated the contract with XXXX. 

This needs to be removed from all XXXX credit bureaus as it is affecting my score and ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I found several inquiries from your company that I dont remember authorizing. This is impacting my score and causing me a lot of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year> I received an email from Synchrony Bank about a lost or stolen credit card. It was addressed to someone named XXXX XXXX. I have no knowledge of this person. The only information I have about this person is her name and that the card was a Belk Rewards Card with an account ending in XXXX. I have no idea if our emails are similar or if this is an attempt at fraud. I have contacted Synchrony Bank twice, once with the help of the manager of the local XXXX store. I am still receiving her emails. This tells me that Synchrony has made no attempt to correct this problem. This problem must be addressed to my satisfaction. I do not have an account with Synchrony Bank and never have had one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

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 may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

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 2024-11-25 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 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 th
ese entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

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 2024-11-25 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: NY

Complaint narrative:
Heres the updated version with the space removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : XXXX XXXX XXXX Equifax and XXXX for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report conducted by XXXX, associated with The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX through Equifax on XX/XX/year>. This inquiry was made without my consent, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/year>, XXXX accessed my Equifax credit report without my authorization. The FCRA ( 15 U.S.C. 1681b ) requires that a consumers credit report may only be accessed for permissible purposes, such as express written consent. At no time did I grant XXXX or The XXXX XXXX XXXX permission to access my credit report, nor have I engaged in any business relationship with this company that would justify such an inquiry. 

Despite my attempts to contact both XXXX and Equifax to resolve this matter, neither has taken action to remove the inquiry.

Impact on Me : This unauthorized hard inquiry has caused the following : 1. Damage to my credit score, limiting my ability to secure credit or favorable terms.

2. Stress and inconvenience, as I have had to expend significant time and effort attempting to resolve this matter.

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate the unauthorized hard inquiry made by XXXX through Equifax on XX/XX/year>. 
2. Require the immediate removal of this inquiry from my Equifax credit report.

3. Ensure XXXX, The XXXX XXXX XXXX XXXX and Equifax comply with federal laws and provide a written confirmation of the corrective actions taken. 

This unauthorized activity constitutes a clear violation of my rights under the FCRA, and I trust the CFPB will investigate this matter thoroughly to ensure compliance and resolution. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The app CashApp is texting me to try and get me to take out a loan without my consent with no way to opt out. I have contacted them to stop and never had the boxes checked to receive texted advertisements in the first place. After several email exchanges with management the problem was not resolved and they wanted me to speak to another department. I declined to go through this with an additional department and informed them I would be reporting the abuse of my personal information for advertising purposes without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Since XX/XX/XXXX, as far as we have calculated, PNC bank has been charging extra money within the mortgage # XXXX that we have in our name in that institution, using the escrow as an instrument to collect extra money into the mortgage, we are currently paying more than {$66.00} dollar extra monthly with the current home insurance and taxes paid to the XXXX XXXX XXXXXXXX and the bank wants us to pay them with a new calculation they made on the escrow for the month of XXXX and the entire year XXXX the sum of {$270.00} monthly. We are requesting from you an investigation into this situation that we have already gone through with other banks, which we have reported and we are not being given due attention. Please we have all the evidence of this situation that we are reporting that we will add to this complaint. We have called PNC bank asking for an answer as to why these increases to the mortgage and they told us that we had signed documents where we asked for that to be done. We asked for a copy of those documents two months ago and they have never sent us any of those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that is reporting. I have made a list of all the inaccurate accounts that I would like removed. I am in the process of start starting my business, and I can not get access to business loans. Please review all of my documents and remove the accounts that are on the list.

Company response to consumer: Closed with explanation