vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: MD

Complaint narrative:
For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I need to highlight the outrageous inclusion of accounts falsely labeled as late payments on my credit report. Despite my unwavering track record of making responsible and punctual payments as a devoted customer, these accounts are unjustly depicted as delinquent. This distortion is intolerable and requires swift correction.

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 2023-12-22 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: VA

Complaint narrative:
Upon review of my consumer report with XXXX and TransUnion, I noticed several hard inquiries that pertained to accounts that are not active/opened as well as promotional inquiries and account review inquiries that I didn't initiate nor did I give written permission to the consumer reporting agencies to procure my consumer reports to any of these third parties. Pursuant to 15 U.S.C. 1681 b.- permissible purposes of consumer reports, this constitutes a violation. I'm requesting XXXX and TransUnion to remove these inquiries from my consumer report and to compensate me {$1000.00} per inquiry per 15 U.S.C. 1681n a ( 1 ) ( A ) - civil liability for willful non compliance. Below are the third parties listed and the number of times each creditor obtained a report. I have also attached the report for your reference and my proof of claim. 

XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX2023- XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX/2022- XXXX XXXX XXXX Total XXXX XXXX inquiries TransUnion XXXX XXXX2023- XXXX XXXX XXXX2022- XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023, XXXX2023 XXXX XXXX2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX/2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX2023, XXXX2023, XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX2023XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX XXXX XXXX2022, XXXX2022 XXXX Total XXXX XXXX Inquiries

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 2023-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Previously sent in identity theft form to XXXX. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC 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 non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-22 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
RE : BMO checking account ending in XXXX I opened a checking account with BMO Bank online after receiving a promotional offer. The offer states a {$400.00} bonus for completing direct deposit within XXXX  days. My direct deposit was dividend/interest payment from a US Treasury Govt Bill which is considered a government benefit payment. However, no bonus has been deposited till today 's date. I've contacted BMO customer service regarding the concern and was told the direct deposit doesn't qualify. How does a government benefit not qualify when it states that exactly in BMO 's terms and conditions for the promotion ( attached ). I would like BMO to honor the promotion as stated. I've attached screenshots showing the US Treasury Bill as well as dividend payment received that was sent to my BMO checking account. If this isn't handled appropriately, I will be pursuing this further with the XXXX XXXX XXXX as well as the Consumer Protection Office of the Attorney General to file a grievance with them to investigate further. 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 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
FLAGSTAR BANK " APPROVED '' LOSS MODIFICATION PROGRAM CANCELLED AND FORECLOSURE STARTED... 

l appealed a recent Loss Mitigation disapproval from Flagstar Bank based on the fact that after completing a 12 month forbearance plan due to XXXX XXXX  and the death of a spouse I applied for my 1st loss mitigation plan a few months ago of which I was approved and completely complied with by completing the 3 months of trial payments and a XXXX payment this XX/XX/2023 and because I did not receive the final documents to finalize the loan modification due to my loan documents being left on my front porch by XXXX I was informed by Flagstar Bank that the original plan that I was approved for was cancelled and that I would have to restart the entire loss mitigation program all over again which I felt was very unfair based on the fact that I did fully comply with the terms of the original plan that was given to me in making the required trial payments and due to no fault of my own did not receive the fedex packet of information to finalize the previously authorized and granted loan modification. 

After submitting a XXXX loan modification request foreclosure proceedings were suddenly started on my home without my knowledge due to nonreceipt of additional loan information that Flagstar Bank never informed me that was needed until after they had actually started the foreclosure proceedings. 

I requested an appeal of Flagstar 's most recent disapproval decision based on the following : 1 - I did comply with and satisfied the requirements of the original loss mitigation plan per Flagstar Bank 's request by completing the 3 months of trial required payments per that plan in a very timely and exemplary manner and my previous loan modification was APPROVED and then cancelled after the receipt of XXXX payments because I did not receive the loan finalization documents from Flagstar Bank. 

2 - My 2nd loan modification was disapproved due to nonreceipt of information that I was never informed that was needed by Flagstar Bank to complete the application. 

3 - My financial situation has significantly improved since I initially applied for the original forbearance plan through debt consolidation, paying off of bills and the addition of {$850.00} that was added to my monthly income through the Social Security Administration and based on my current monthly income and expenses I am now ready and would like to resume my mortgage payments per the reinstatement of the previously approved loan modification plan approved given to me by FlagstarBank or a new loan modification plan. 

Thank you for your assistance in regards 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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite consistently making on-time payments, this account is reflecting negatively with a late payment status., I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.

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 2023-12-22 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: MD

Complaint narrative:
River Valley Loans has predatory and unlawful practices. I took out a loan for {$1400.00} on XX/XX/23 and have well exceed paying off that amount, but continue to make payments of {$370.00} biweekly due to the outrageous 745 % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company to see if we could if we could work out a resolution, and they are refusing stating they do not have to abide by these laws because they are a " tribal loan. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.

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 2023-12-22 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: LEXISNEXIS
State: IL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
I have contacted the collection company and asked for verification letter or contract, notified them that i do not consent and never have given consent to them, I also attempted to dispute through XXXX, XXXX, XXXX, and notified them that i filed a FTC report and have not been removed off my report. The collector RENT RECOV, XXXX  is reporting an amount of {$6300.00} on my report which has caused me to get denied for housing with other companies. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX ; reporting {$830.00} I have also asked for written letter/ validation or contract signed by me which was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject- Capital One Product- Quicksilver Secured Rewards Credit Card ( security deposit used as collateral ) Agreement upon request to the product includes terms where explained how Interest Charge calculated.

In the monthly Statements to the product provided Interest Charge formula which different. The difference is margin was added. In the terms written that Statements are part of the Agreement. Please see attached pictures. I requested to disclose this specific term margin by the phone, but representative didnt answer. I wrote a letter to the main office and case was created, but doesnt include this matter. Today called again to the phone number written in the reply to my letter, but no luck. Requesting to disclose term margin. Interest Charge formula = prime rate + margin. Prime rate is floating and its the same as Interest Charge, does it mean that margin is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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