vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They garnished me for XXXX without sending me any proof of debt. They never got back in touch with me when I called about it and they didn't respond to a complaint I filed with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed several complaints against the credit bureaus. 

I am unable to receive funding for my business and the patented technology is loosing income because of this situation revolving around my credit report.. the amount of debt listed is not valued as much as the projected financials of the business plan for the company. 

I demand that the credit bureaus remove the 2 negative items from my credit report and clear off all hard inquires.. 

The credit bureau did not have my consent to FURNISH the account in such manner that can hinder my financial freedom and stop all of my businesses income. 

Please show me a CONTRACT that I have signed with the credit bureaus that allows them to accept my data or credit report and use it against me to prevent financial growth or debt consolidation.?

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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of identity thief. I have 2 accounts that were open XX/XX/XXXX. I have taken numerous of steps to try to revolve this matter with BMO but I have yet to resolve this issue. I am a victim of my data being breached and the company that let my data be compensated has paid for a restoration service through XXXX. The restoration company representative his name is XXXX XXXX, he and I was been trying for over 3 hours today XX/XX/XXXX to get the process of BMO when there is an Identity thief case. We were on hold for 2 hours, we asked for supervisors and were disconnected numerous of times, we asked to be transferred to the fraud department and was disconnected numerous of times, and even after all of that we still have not received the protocol or the procedure to handle a victim of identity thief case that I am experiencing. There is no reason why this should be the experience of a consumer that is a victim of identity thief. With me being a victim of identity thief I should not have to get the run around to get Information to remove these BMO accounts removed from my report. BMO should not be able to not provide the information needed or should the be able to hang up the phone or not provide a representative or supervisor that can provide the procedure for this issue.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have emailed US Bank, visited US Bank, called US Bank- going back months and months ( US Bank will have a record of everything ). I have not lived in the state of Kansas for over XXXX XXXX. I have never had a safety deposit bank with my XXXX XXXX XXXX mom- XXXX XXXX XXXX who lives in XXXX  XXXX XXXX Kansas XXXX I have notified US Bank in person and using their online complain system. I have spoken with customer service- nobody returns any attempts. 

US Bank continues to bill both my XXXX XXXX XXXX mom and me- and have been doing so for years. ( see attached )

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 2023-08-01 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company ARS keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: AL

Complaint narrative:
I reviewed my credit report and noticed unknown accounts on my credit report. I am needing this rectified immediately. Please refer to attachment for detailed information.

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
Hello, CFPB, I was recently afforded an a loan modification through Dovenmuehle who is the servicer on my home loan and its owned by XXXX XXXX  . I successfully completed a 3 month trial modification XXXX XXXX XXXX paying {$3200.00} for three months and with the understanding that if completed, l will then receive a lower affordable monthly payment. I received a package in the mail on approximately XX/XX/2023 with agreement and terms of the new payment however the documents have a date of XX/XX/XXXX and Dovenmuehle is asking for a payment of {$6000.00} for XXXX & XXXX and once received my new payment will be {$2900.00}. This payment must be received in their office by XX/XX/XXXX and must signed by a notary public in order for the new terms to be accepted. I believe l was blindsided by this and was not made aware of this type of payment which doubled and l dont have. I made several attempts to speak the specialist in their loss mitigations department but have been told they dont speak with any homeowners and the terms are not kept, they will move forward with foreclosing on my home. This is not how a mortgage company should operate and this wrong. Im respectfully asking for CFPB to assist me with this matter in hopes of stopping my home from foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I closed my XXXX XXXX account on XX/XX/2023. My XXXX XXXX report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well

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 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am unsure if this is the right " reasoning '' but i feel as if GM is being a bit unfair with me. I have had two individual GM Financial accounts for {$70000.00} a piece in the last couple of years. Even though I fell into hard times and had to pay late, I never complained. It was my fault. In XXXX of XXXX, I contracted the XXXX XXXX, and it was as bad as they say. I was XXXX XXXX for a week and XXXX  for 2 more. I was not able to work and therefore was not able to bring home a paycheck and I was late on my payment in XXXX of XXXX. I was last late before that in XXXX of XXXX. That was my fault and I expect nothing for that. In XXXX though, I was very ill, and I paid late because of that, and I paid off my loan that month as well to make sure you got all of yours. 
They said " they are required to report accurate information to the credit bureau '' in the auto response they sent me after i sent TWO letters begging them for help. I know this is true, but not entirely. GM has forgiven late payments in the past. I was able to speak to people, look it up online, and find confirmation of this. I am not sure if they call it forgiving a late payment or if they just recall their " reporting " for that month, but either way, i know they can help me here as they have helped others. All I got was an auto resposne. Seeing as how i have done so much business with them in the past, and could possibly do some in the future, i do not think this is out of line at all. I would like ONE MONTH, either not reported or modified, that is all, and i know they can do it. The month i would like looked at is XXXX of XXXX. I will attach the two letters i sent and what they sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: OH

Complaint narrative:
The inquiries on my credit report does not belong to me and was not authorized by me

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023 i submitted a request to dispute an account that is assumed to be identity theft. Transunion didn't honor my request to block the account. I subsequently placed a Fraud Alert on my credit profile as i continue to pursue further avenues to get these fraudulent accounts removed from my report. I recently received a letter from Transunion on XX/XX/2023 in the form of an unsealed postcard, confirming my action to place a fraud alert on my account. This postcard received was not in a sealed envelope, infact it was simply a postcard with all my information pertaining to the fraud alert, it even included the file number for my account. This postcard which isnt sealed reveals all my private information and actions pertaing to my credit file to whomever handles the mail, including the mail carriers and whoever elses hands it has touched. I called transunion to explain my frustration with allowing my private credit profile information to be revealed, which was ironic because the reason for the fraud alert was due to my private information being leaked on the dark web. The supervisors agreed with me that this was a huge mistake on behalf of Transunion. The supervisor also agreed that this letter is usually in a envelope where no outside party or person can see the information about my report. I'm so upset with Transunion for this mistake and am looking into further litigation on my behalf. I find this to be a breach of confidentiality and handling of my personal information. it's unacceptable. The risk of exposing my information to multiple mail handlers and carriers further adds to my frustration and vulnerability during these increased fraudalent times. I would like action taken against Transunion effective immediately!

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 2023-08-01 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: CA

Complaint narrative:
Last year I noticed I had a new account from XXXX on my credit report that was past due. After looking up the company, I found out it is a company that offers cable tv services. My cable service is through my husband. I haven't had cable in my name in years. I reached out to the company. I couldn't find my account information using my information. I spoke with a representative who said it was an error and they would remove it. They did remove it, and it was updated on my credit report. A year later, it looks like that debt was sold to a collection agency, because I now had a collection on my credit report. I first saw it on XXXX. When I submitted a dispute, they removed it. Then it was on TransUnion. I submitted a dispute with them. They came back and said it was accurate. It's not accurate and I'm unsure how to dispute something that I've never had. I thought collection agencies were supposed to prove they had my correct information. I know the original debtor did not because I already went through that with them directly.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My Early Warning reports shows that there is a balance on a closed XXXX  account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a XXXX  Driver 's license. I have a XXXX  license

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation