vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
Experian is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EXPERIAN written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act Convergent Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

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 2023-04-14 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: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: PA

Complaint narrative:
I was victim of theft identity. someone opened a account under my name with XXXX XXXX XXXXXXXX the dispute was file property and was dismissed. now the collection company " BAY AREA CREDIT SERV '' is attempting again to collect a debt is not mine affecting my credit one more time.

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 2023-04-14 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: FL

Complaint narrative:
I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked XXXX XXXX XXXX in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/XXXX  removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information reported into my credit profile

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received the evidence ( s ) { attached dated XX/XX/XXXX  no letter just " papers '' no explanation simply vague production along with that final line on page two ( 2 ) and the contradicting statements made all over that page including Account History [ up to ] XXXX - but wait the next payment date is XX/XX/XXXX  there is a whole lot is unaccounted for therein } necessary to the proving of my allegations, alleged for some period of time now, against Bank of America [ BAC ] related to improper servicing, misapplication of funds, misrepresentations of terms, I will be mailing the first three ( 3 ) pages [ my response ] dated XX/XX/ ( of NEVER AGAIN 's ) out by postage prepaid 1st class US Mail on the XXXX of XXXX. The company has asserted in the ongoing complaint XXXX that " it needs more time '' or that " it's response is in progress ''. Again I represent and assert that is absurd the company is acting and has acted in Bad Faith in each and every instance I have alleged, and the proof has now been procured and is so attached hereto.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
When Covid hit back in 2020 we were not able to afford our mortgage and we were put into forbearance with Wells Fargo. After two years they reached out asking if we were able to make payments again to which I said yes. It was then that they suggested that I apply for loan modification as it could put me in a better position with monthly payments and get me back on track. I agreed and begin the application process with them. After four different attempts with them, they kept restarting the process because they would lose documents and say that they didnt have enough information and make me start the process over again. This went on for about a year and Ive still been trying to get into a loan modification, and now they are telling me that I am denied because my loan is too far in default that the payments would be too high. The only reason that the payments would be too high is because theyve had me trapped in this loan modification application process for a year while offering me no other alternative to resolve the matter. Now they are telling me my only option is a short sale when from the beginning I was never trying to go that route. I was trying to work this out with them for over a year and have hundreds of documented conversations and emails with them about this. They are now telling me I either need to pay {$71000.00} or short sale my home. None of those are options I wanted or planned for or have been working with them diligently for a year. Please help stop this madness with Wells Fargo and allowing them to take advantage and do this to people, and leave them in bad positions.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/ tried to get a reason why my account was closed after many failed attempts in the past.

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 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One 360 Savings Bonus. Capital One ran a special whereas if one opened one or more accounts between XXXX and XXXX of XXXX, in the amounts from {$25000.00} and {$100000.00}, and these amounts did not decrease for three months by XX/XX/XXXX, a bonus would be paid on XX/XX/XXXX in the amount of 1 % for each account. ( {$250.00} and {$1000.00} ) I opened up two accounts in these amounts on or just prior to XX/XX/XXXX. It was mentioned to me that one could not have a current open savings account with Capital One after XX/XX/XXXX. Apparently I had a " dead '' account on file that was with XXXX balance and had been unused since that time. I believe that 1 ) Capital One altered the rules shortly after I made these deposits unknown to me, changing the wording and payout date. ( originally XX/XX/XXXX changing to XX/XX/XXXX. XXXX ) The ghost account had not been used for almost four years and most banks close such an account out after no activity. I assumed it was closed with no activity for the past four years. My belief is Capital One has pulled a " bait and switch '' whereas I had in excess of {$120000.00} tied up in the new accounts for over four months. I called them to no avail thus no bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied online for a personal loan from XXXX XXXX XXXX in XXXX, WI and they told me that they would only perform a soft credit pull to check my credit, but they performed a hard credit pull which resulted in an inquiry on my TransUnion credit report that I did not authorize. I would like the inquiry made on XX/XX/2023 removed, please.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, XXXX, and Transunion when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, XXXX, and Transunion. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

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 2023-04-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, Equifax, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, Equifax, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: GA

Complaint narrative:
XXXX is reporting my five loans under sequence numbers XXXX as being closed with Experian, XXXX, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to Experian, XXXX, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

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 2023-04-14 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: OK

Complaint narrative:
CREDITOR HAVE NOT VERIFIED THIS ACCOUNT WITHIN 30DAYS

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
It is our contention the big 3 credit reporting agencies XXXX, XXXX and TRANSUNION are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, XXXX XXXX TRANSU have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, XXXX and TRANSU are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of 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 2023-04-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
It is our contention the big 3 credit reporting agencies XXXX, EQUIFAX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, EQU XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, EQUI and XXXX are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code XXXX The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2023-04-14 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: AZ

Complaint narrative:
I am currently applying for a home mortgage and that requires a credit check. I already have 2 lines of credit in the form of credit cards. XXXX and XXXX both successfully recognized and verified my personal information and were able to furnish a credit report. Equifax was not able to verify my identity and did not issue a credit report. I was also unable to make an Equifax account on their website and it led to error code NH. I called Equifax on XX/XX/2023 and was told to fax a cover letter including my name, address, and problem along with a copy of my social security card and personal ID card ( drivers license ) to XXXX. I was told on the phone this would take 3-5 business days. I sent this fax on XX/XX/2023 and successfully received a fax confirmation page. I was unable to make an Equifax account on XX/XX/2023 leading to the same error code NH. I called Equifax 's support network again on that day and was told to wait another 5 days. I sent an additional fax of the same information on XX/XX/2023 after this conversation and successfully received a fax confirmation page. I waited until XX/XX/2023 and called Equifax back to ensure they received the faxes, but the Equifax agent informed me that they have no record of my account or having received any faxes. At this point, I have been denied a mortgage due to Equifax. I have sent 2 faxes and waited the appropriate amount of time and the Equifax agency has yet to acknowledge their receipt or issue a credit report.

Company response to consumer: Closed with explanation