vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. 

Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. 

As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. 

The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. 

Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. 

I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. 

Thank you for your assistance.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I would like to review an account on my report that has been paid off but is not reflecting on credit report. 

Acct : XXXX XXXX  XXXX : {$170.00} I have paid off balance in full

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with Experian, XXXX and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to Experian, XXXX and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX  XXXX XX/XX/2022 I contacted the company about the inquiry witch they told me there's nothing they can do I would have to contact Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
Eagle Loan Company of XXXX XXXX contacted me through a Lawyer, stating that I owe a debt from XXXX. I was sentenced to XXXX in XXXX XXXX XXXX and was XXXX from XXXX, but never received anything regarding this outstanding fee. I received a letter from XXXX XXXX XXXX in the XXXX  of XXXX, stating they are pressing charges against me and seeking a garnishment to satisfy this outstanding fee. I went to court, XXXX XXXX XXXX, and was approached by an Eagle Financial representative, to settle before seeing the judge. When the Rep called the office to report our agreement, they were unable to find my case. After going in front of the court with the agreement, I made a successful payment of {$300.00} for the month of XXXX. On XX/XX/XXXX, I was hurt at work and currently fighting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been off of work and not paid since XX/XX/XXXX and cant afford this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is trying to falsely valid fraudulent accounts that have been removed by XXXX and XXXX & closed by companies in question. Ive contacted Experian multiple times within the last month in regard to this issue. XXXX XXXX XXXX have already removed these accounts in compliance with my complaint. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 30 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Included : Identity ( Drivers License And Social Security Card ), Bank Statement, Identity Theft Report ( 2 ), Dispute Letters ( 3 ), Notice of Furnisher, Proof that these accounts were removed by XXXX and XXXX Inlcuding Report Number from CFPB ) REMOVE WITHIN FOUR DAYS OF RECEIPT OF THIS COMPLAINT! ( 10TH ATTEMPT ON RECORD )

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 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have spoken to XXXX XXXX XXXX several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to XXXX XXXX XXXX. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing. 

Since XXXX XXXX XXXX will NOT accept payment as it is discharged, please remove the negative mark 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 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
On XX/XX/2020, MTGLQ Investors, L.P. foreclosed on a loan with XXXX XXXX for a property at XXXX XXXX XXXX, XXXX, MS , XXXX. It appears that they used a servicer, XXXX XXXX XXXX, to do so as XXXX 's phone number was listed on the legal paperwork. Internet searches indicate that MTGLQ Investors, L.P. is an entity controlled by Goldman Sachs. Since foreclosure, MTGLQ has not maintained the property, and it is currently an abandoned eyesore with vagrants, drug users, and other issues emanating from it. I have tried to reach out in any way I can to this company to beg them to either sell it to me, list it with a realtor, ANYTHING, but they have clearly abandoned it over the past three years. This is leading to a severely detrimental effect on our neighborhood, and I am hopeful that the CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
In the attachement all information is included. I was XX/XX/2022 through XXXX by someone we had some contact and I was asked to do some trades in the account of this person. this went well and at some point it was suggested to try it as well, I saw that this trading in XXXX worked. 

Following this I had to open up accounts with several wallets like XXXX and coinbase and transfer money to and from there on to XXXX a crypto platform. My money I used during trading. Before the trades we received a goal on pricing and time slot for max trading time. It went well untill the money was lost ( or stolen as it was ). This all happened during XXXX of last year. XXXX gone in the wind... .how can it happen that there are scams like this without any warning or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX  - LAST XXXX SS # XXXX XXXX XXXX - LAST XXXX SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the FCRA, XXXX XXXX XXXX XXXX, Account number : XXXX has violated my rights. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. 

15 USC 1681 Section 602 A : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written permission.

15 USC 1681S-2 ( A ) ( 1 ) : States 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.

15 USC 1681C ( A ) ( 4 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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