vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I got letters and the mortgage statement from different address and XXXX different banks MT & Bank and XXXX. And sometimes they do not send me the mortgage statement how I have been requested several times. I sent to MT & Bank XXXX e-mails asking them how much do I have to pay in XX/XX/XXXX and they answer me {$820.00} in XXXX. in the second e-mail they said me {$550.00} in XX/XX/XXXX because the ESCROW is {$260.00}. If you check the letter from XXXX they say the ESCROW is {$120.00}. 
I sent my payment on XX/XX/XXXX ( BEFORE XX/XX/XXXX ) waiting for the bank answer about pay my bill in XXXX monthly payments how I requested to the bank for my economic situation ( HARDSHIP TIME ) that I am not working, I live with a minor and I do not want to loss my house. 
Today, XX/XX/XXXX I got a letter from XXXX saying I have not paid XXXX. Check the attachment, please. Plus, I have to pay {$820.00} on XX/XX/XXXX when I supposed pay ONLY {$120.00} OF ESCROW. Then the payment for XXXX IS NOT {$820.00}. 
XXXX, after I called to MT & Bank XXXX XXXX to set up my monthly payments arrangements because I was going through for a hardship times, XXXX XXXX up and starts sending me documents. My account and my payments are on the MT & Bank website. I suspect they are charging me more because I have never stopped making my monthly payments. 
*******And these inconsistencies can be seen and compared in the M & T Bank XXXX and XXXX mortgage statements.

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 2023-06-23 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: EQUIFAX, INC.
State: GA

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 2023-06-23 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON XXXX, TRANSUNION, AND XXXX. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX  AT XXXX XXXX XXXX XXXX XXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON EQUIFAX, XXXX, AND XXXX. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON XXXX, XXXX, AND EXPERIAN. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.

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 2023-06-23 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: SLM CORPORATION
State: NJ

Complaint narrative:
XX/XX/2021, I did a co-sign for my godson to get approved for a school loan, I uploaded my business information ( not personal information ) which was a EIN and not a social security number only to find out that SALLIE MAE violated 15 U.S. Code 1681, which I have the evidence of and they never took off the hard inquiry from the credit bureaus after I asked them too, because XXXX XXXX XXXX XXXX XXXX  they told me that the loan for him would be denied after they violated my privacy and ran my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

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 2023-06-23 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
I filed a ftc report because there were fraudulant accounts and inquiries found on my report, nobody would help me get these off my 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 2023-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a ftc report because there were fraudulant accounts and inquiries found on my report, nobody would help me get these off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
I filed a ftc report because there were fraudulant accounts and inquiries found on my report, nobody would help me get these off my 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 2023-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase closed my account for a " violation of Terms of Service ''. I tried to appeal because I strongly believe I did not do any actions which violated their Terms of Service. They will not provide support to hear my appeal or work with me to understand their reason for this accusation. I believe this account closure was unfair and wrong. 

Not only that, but they send me an email that my account is closed but to " sign in to your Coinbase account to send any remaining balance offsite to an external address ''. However, when I try to sign in, I get an error saying that my account is closed and I can not access anything. I've attempted to reach out many, many times to their support but they mostly provide bots or agents who can not actually help. 

All of my savings are in this account so I am now dealing with incredible financial hardship since Coinbase will not work to get me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax had a problem with reporting accuracy. After several attempts to get them in line with XXXX and XXXX ( not that they are perfect ) Equifax decided to take everything off my FICO report. FICO is the report that matters and I have 11 open accounts in good standing including a mortgage that has never been late NOT posted on my Equifax report!! I need them to put these accounts BACK on my EQUIFAX report. I have attached my full credit report so they can see how far off they are from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: VA

Complaint narrative:
I filed a dispute about a collection that was placed on my accounts in XX/XX/2023 with XXXX, Trans Union and XXXX. 
I experienced identity theft and reported it to XXXX XXXX services and it was removed. 
Trans Union did not remove it and has not explained how they determine the validity of the collection.

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 2023-06-23 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: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 2023-06-23 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ON XX/XX/2022, I ordered 2 items for XXXX from walmart.com received one, and requested that Walmart send proof of delivery for the one that wasn't received.

to date, 9 months later Walmart hasn't complied with my request. after my continous request for the proof of their said delivery. the total sum of the balance was paid after they threaten collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : Capital XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act Convergent Account # 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 or my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX  XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 or my account without my written instructions.

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