vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was in Texas and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC XXXX XXXX XXXX, Equifax and XXXX. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I was in XXXX and I lost my wallet with all my information inside XX/XX/year>. I sent over XXXX FTC Reports XXXX Experian, XXXX and XXXX. XXXX time in XXXX of XXXX & another time in XX/XX/year>. I recently just got into my Experian this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.

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 2024-05-08 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
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 an 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 non-monetary relief
Consumer complaint received 2024-05-08 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: PR

Complaint narrative:
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-08 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I sent a request for information/notice of error under RESPA to my mortgage loan servicer Nationstar dba Rushmore Loan Servicing on XX/XX/2024 by certified US mail receipt of which was confirmed. 
Having not received a response, I called Nationstar on XX/XX/XXXX and they told me they sent a response to my lawyer on XX/XX/2024. I contacted my lawyer but he never received the response. I don't have any pending lawsuit against Nationstar having settled it last year so any response to my letter and any correspondence of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My wife accidentally clicked on a link that was claiming to be the usps advising for a {$1.00} charge for an address change for a package being delivered. My wife inadvertently gave the debit card information as she did have a package being delivered. The next day I attempted to use my debit card with are both linked to our checking account and it was frozen. XXXX with Bank of America and they advised me of the incident. They advised me that both my wifes card and mine will be cancelled and new ones will be ordered. The next day i went into the branch and the carda had not been ordered. The branch associate ordered my card and again advised that both cards have been cancelled. 

10 days later on my wife 's supposedly canceled card, approximately XXXX individual charges were made in a XXXX hours period ranging from XXXX cents to {$68.00} for a total of almost {$6000.00} dollars. I notified my bank the very next day advising of the fraud. On XX/XX/XXXX i received a temporary credit. On XX/XX/XXXX i received a letter in the mail advising my claim had been denied and the temporary credits will be debited from my account on XX/XX/XXXX. The person i spoke to stated that the claim is textbook fraud and escalated it for a second review. The alleged purchases were made at a company called XXXX XXXX, and as per my bank states a XXXX transaction out of XXXX XXXX. 

I beg for you to assist me in this matter as I am closing on my house in the coming months and the impact this could cause could ruin this.

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 2024-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: TX

Complaint narrative:
Agreed to a 42 month plan with Americor to negotiate three accounts ( XXXX  XXXX XXXX {$22000.00} ), XXXX XXXXXXXX ( {$6800.00} ) and XXXX XXXX ( {$26000.00} ) ). I met the 42 month plan that started on XX/XX/XXXX and now Americor needs another 12 months due to failing to negotiate my last account with Payoff. This is consumer abuse and irresponsible on Americors part. I was told by the representative I spoke to that its common to see this on last account negotiations. Unbelievable. We are no longer able to meet this plan and the only option they gave me is to negotiate this with XXXX myself which is what I thought the plan with Americor was about. Americor is more concerned with them getting paid their {$7000.00} fee so they can be paid first versus fighting for their customers. 

I spoke to a previous agent XXXX XXXX on XX/XX/XXXX that mentioned that Americor can negotiate with at least 50 % of the debt owed which we have now so makes no sense that Americor is now pulling this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-05-08 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: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
First I would like to say how much I dislike first national bank. I just had XXXX  XXXX a week ago and I am recovering in the hospital. They give me a call today about my car loan so I called them back. I know I missed a payment due to the fact I am not working because of my XXXX. My payment is {$850.00} a month and I pay {$860.00} a month. I have paid a total of XXXX to first national bank. The girl was but basically threatened me about not paying a late fee. She had no care about me having XXXX. She different offer a payment option, didnt offer to wave the fees nothing! Basically just hassled me! I could not believe it. Like just let me skip this payment, IM NOT WORKING DUE TO XXXX! I need to switch loan companies. This bank I would never ever bank with. I have the title to my bronco, like let me tell you how much I want to pay because you XXXX people sent me the title lol. I am demanding a skip payment. I will pay the stupid late fee of {$90.00} but let me skip a car payment. They say they cant but you know a manger can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I XXXX XXXX POA for XXXX XXXX. XXXX took a cashiers check to BMO for deposit, they took {$100000.00} an put it in a CD acct, an {$30000.00} in his checking. However we thought the whole thing was put into his checking until we received a statement which only showed the {$30000.00}. We then went to the branch, to speak with mger. He told us it was put in XXXX. Asked why he said XXXX told him to do so, so not true. After XXXX asked if they can add my name to acct, he said he had to talk with regional team first, told us XXXX have an answer within 3 days. We go back in 3 days to get the answer, he said still waiting. At this point XXXX asked to close his accts, he said he could close checking, but suggested he keep XXXX open. After XXXX said he wanted to close both accts mger then said he has some concerns. We asked what they were, he then said he didnt think XXXX XXXX state was right. However he had the same XXXX XXXX  he had when bringing the cashier ck into the branch. I asked who authorized the CD acct, he said a banker, I said only manager can do so not a teller. He said his counter partner or his self, XXXX then interv

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 2024-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Erroneous billing XXXX should have been covered by my insurance plan I have disputed the erroneous XXXX XXXX XXXX XXXX bill several times on my own, most recently with assistance of an attorney I have hired in 2024. My attorney wrote a letter to XXXX XXXX XXXX in XX/XX/2024. No response within 60 days. 
CMRE continues to contact me, I have reached out to them twice to dispute the bill. CMRE and XXXX XXXX XXXX continue to ignore my efforts and my attorneys efforts to resolve the erroneous bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 a charge of {$34.00} appeared from a company called XXXX XXXX. My research showed this company to be in XXXX. 
As we left XXXX, XXXX ( nowhere near where XXXX is located ), on XX/XX/XXXX on flight going via XXXX to XXXX, France, it was physically impossible for either me or the other authorized card user to have made this purchase. 
Capitol 1 XXXX XXXX denied the claim saying I was responsible as Im still in possession of the card. A new has been ordered, however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-05-08 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: LEXISNEXIS
State: TX

Complaint narrative:
I have contacted Lexis Nexis multiple times in regards to a Bankruptcy on my consumer reports. Each agency XXXX, XXXX, and XXXX all state that they " verified '' the bankruptcy with Lexis Nexis. Lexis Nexis states they " verify '' through a system called " XXXX ''. I contacted XXXX and they provided me proof they in fact DO NOT verify any information with the consumer agencies. I also contacted the BANKRUPTCY XXXX to inquire if they " verify '' any information with consumer agencies. As you can see from the certified letter from the United States Bankruptcy XXXX also DO NOT verify any information with consumer agencies. Lexis Nexis and the other agencies have no legal right to report this bankruptcy on my consumer reports. I know my rights as a Consumer and I know that these companies have no permissible purpose for this account. You are improperly reporting an alleged Public Record to the credit agencies that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. 
Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged XXXX XXXX XXXXXXXX. DELETE the alleged Public Record IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This account is paid in full and is still reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
Throughout the course of the past XXXX months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately. 
Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
Throughout the course of the past XXXX months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately. 
Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-05-08 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
The fraudulent charge was made to my account XX/XX/year> in the amount of {$2000.00} from XXXX XXXX. That same day, I received a text asking if we recognized the charge and immediately responded NO. The charge went through anyway. I have called and emailed disputes to this charge. On XXXX I emailed Goldman Sachs with my supporting information that the charge is not legitimate. For the 3rd time they have found the " charge '' to be valid and put it back on my card. Today, XXXX I have called and emailed Marcus by Goldman Sachs again disputing the charge, the dispute number is XXXX. I have no history of disputing charges and have been a regular and timely payor. Today 's contact did not offer what supporting information they are using for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed my Hard Credit pulls and they refuse to investigate. Dated letters mailed multiple times

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 2024-05-08 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: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES ON CREDIT REPORT 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 non-monetary relief