vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank Mortgage company reached out to me multiple times, a lender in another state in the " wealth management '' department. Promising an easy refinance since all my banking was with them. When the rates got into the low 6 % range I contacted him, was given a rate quote, agreed and within 15 minutes i was sent a loan application and loan costs which i signed and returned online. 

All loan disclosures had the same printed rate of 6.12 %. I paid a fee, the appraisal was complete, the loan was approved and after weeks of not hearing about a signing date i called several times and kept getting the brush off as don't worry it will happen and you wont have to pay your XXXX payment. When that didn't occur it was it would close soon and you wont have to pay your XXXX payment. Then i got a call from the agent saying " we '' had a problem in that he didn't lock our loan. ( 6 weeks after we signed the original disclosures. ) Then it was we had to wait for the next XXXX  meeting then his final response was we needed to wait a little longer. 
I told him that was unacceptable. I called his manager. Manager never even responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, XXXX, and TransUnion to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. 

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : XXXX. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. 
XXXX. A full disclosure of the vendors and third-party entities used in the verification process. 
XXXX. Legal assurances that these inaccurate items will not reappear on my credit file. 

I trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.

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 2024-11-14 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: IL

Complaint narrative:
Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, Equifax, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out.

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers.

2. A full disclosure of the vendors and third-party entities used in the verification process.

3. Legal assurances that these inaccurate items will not reappear on my credit file. 

I trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TD BANK USAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: 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 XXXX XXXX XXXX. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 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:
I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be removed from my credit file immediately : 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 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 2024-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have saving account with XXXX federal they trying to force me to pay a debt for credit card I had with them by holding my money and I cant access or move it out I have sick kid and need my money there for that why asking for your help. They trying to force me to call third party in order to pay them and wont give me my money is this legal can they just hold my money. This is not right I understand I have credit card that went past due but you should not be able to hold all my money with out giving me access to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I am writing to formally dispute inaccuracies in my credit report, particularly concerning an account that I believe is a result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation into disputes regarding inaccuracies and any claims of identity theft. Additionally, 15 U.S.C. 1681c-2 further protects consumers by requiring credit reporting agencies to implement procedures to address incidents of identity theft. 

The account in question contains several discrepancies that suggest fraudulent activity, including : Varying account numbers that do not match my personal records. 
Inconsistent reporting of account open and close dates. 
An account that has been charged off incorrectly yet still shows an outstanding balance. 
Inaccurate payment history, with conflicting information about late payment statuses ( XX/XX/year> days late ). 
The presence of these discrepancies raises significant concerns regarding possible identity theft, and the XXXX XXXX XXXX has an obligation to investigate thoroughly. Their failure to properly address and rectify these inaccuracies constitutes non-compliance with the FCRA. 

Given the seriousness of this situation, I am considering taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Their inability to investigate the identity theft claims effectively not only infringes upon my rights as a consumer but also undermines the integrity of the credit reporting process. Additionally, I XXXX seek legal advice to evaluate my options for protecting my identity and asserting my rights under the law. 

I urge the credit reporting agency to take immediate action to investigate my claims, rectify the inaccuracies in my report, and protect my identity from further fraudulent activity. 
: A copy of inaccuracies or incompleteness accounts. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
A copy of ID A copy of XXXX A copy of address Thank you for your prompt attention to this matter.

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 2024-11-14 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: 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank told me before that savings and checks can be exempted from the maintenance fee of the checking account, totaling {$1500.00}. The maintenance fee of {$15.00} will be deducted from my account on XX/XX/year>. Citibank has no information to inform customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: MI

Complaint narrative:
Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries that I have listed. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records at all times within my credit file. Please update my personal information to match accurate records within my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accout XXXX. XXXX {$380.00} XXXX. XXXX {$1000.00} XXXX XXXX {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
THIS COMPANY VIOLATED THE LAW AND OWES ME RESTITUTION. 
This is a follow up of a previous complaint : XXXX American Express violated Regulation Z and the FCBA and did not provide me with a timely chargeback from a fraudulent seller. 

I'm am currently working on typing on a court summons to sue American Express if they fail to pay me restitution for my grievances. 

Every single victim of American express is owed compensation for their suffering. 

Big faceless corporations should be heavily fined for violating the rights of red-blooded Americans. 
If you can make your money off of playing with your clientele 's money then you owe your clientele every time you ( AMEX ) make a mistake.

It should be a crime to outsource responding to these complaints. The CFPB is an American company and all responses through time should be made by people located in the USA who understand our laws and government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach that has led to identity theft. As a result, a fraudulent account has been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following unauthorized account from my credit report : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$730.00}

Company response to consumer: Closed with non-monetary relief