vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Afternoon, I hope this message finds you well. I have been tirelessly contacting Macy 's since XXXX  to remove two fraudulent accounts from my credit report. Despite my efforts, these accounts remain on my report, causing significant distress and hindering my ability to secure housing or obtain other credit cards. 

The accounts in question were not created by me but are the result of credit fraud from XXXX XXXX and Macy 's. I possess a letter from XXXX XXXX confirming that I was a victim of credit fraud. It has now been over 7 years, and these accounts are still impacting my financial stability. 

As a struggling XXXX XXXX trying to support my family and pay my bills, this situation has become unbearable. I kindly request that both accounts be promptly removed from my credit report, as they were created fraudulently. This reporting is false and inaccurate, and I am suffering the consequences unfairly. I would like these accounts to be deleted off my account. 

I would like to draw your attention to Title VI of the Consumer Credit Protection Act, which protects information collected by consumer reporting agencies such as credit bureaus. This law specifies that information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies are legally obligated to investigate disputed information. 

Additionally, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken based on such reports. The Fair and Accurate Credit Transactions Act, which added provisions to protect record accuracy and combat identity theft, further reinforces these protections. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Thank you for your understanding.

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 2024-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
a total of 150 phone calls from XX/XX/XXXX till now XXXX XXXX I have emailed them and told them when I am paying. they ignore me. the constant 5 to 6 calls a day is ridiculous. according to ftc law more than 1 time a day and 1 call in a 7 day length is considered harassment. so this is harassment morning noo night. they don't stop even those they have heen sent a cease letter. I am only 3 weeks late ong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2024-02-22 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have disputed this account sent letters and made phone calls and this company does not have a valid contract with me. I did not authorize my information or account to be sold to them and I did not authorize them to report anything specifically my personal identifying information to any other company or on my credit report. 

The representative was very nasty to me in my attempt to formally address and resolve the issue. please ask them to delete all reports and cease and desist from sharing or reporting any of my personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies ( XXXX XXXX  ) didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged so the court granted these loans Im no longer responsible for in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and was denied because these loans popped again on my credit report saying that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX & XXXX on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. XXXX denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts but XXXX not only consistently ignores but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts. So I contacted a representative from your bureau in the last month about a complaint for XXXX and I was told theres a 3rd credit agency Experian and I should do what I did with the other two agencies and dispute the accounts to see what the results were. I got the same results from Experian that I got from XXXX so I didnt bother appealing with them, instead of waiting months to hear the same thing XXXX told me. I also attached a photo I took on Experians website explaining what joint account means to show that this is no longer a joint account.

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 2024-02-22 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: Experian Information Solutions Inc.
State: NY

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 non-monetary relief
Consumer complaint received 2024-02-22 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Credit Card used to purchase XXXX XXXX tickets in my name, false address, false e-mail, and false phone number. ( all similar to mine ). XXXX says it's fraud go back to Wells Fargo. Wells Fargo says they were purchased in my name, only the person named on the ticket can fly. Had a lawyer send XXXX XXXX a letter, but they replied no fraud case had ever been filed and sent me back to Wells Fargo. I never authorized the purchase of these two tickets or had any idea who purchased them or flew them. I filed a police report and they referred me back to Wells Fargo. Asked for a Wells Fargo supervisor to call back more than twice and have never received a callback. 
The account is closed and paid off except for charges of the airfare, late fees, and interest. Under {$2500.00} is owed but now the lack of payment has affected my credit.

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 2024-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Paid mortgage online to Bank Of America on XX/XX/24. Their system had a glitch and withdrew 2 payments in error. When contacting BOA ( XXXX from TX ), he tried to insulate that we paid twice in error and our bank ( XXXX XXXX ) can confirm. I asked him to review our account history and confirm that we have NEVER paid twice. He said to contact our bank to confirm and they will determine who is right. Called XXXX  and they said the same thing as they wouldnt know BOA system had a glitch and said they see their system pulled 1 payment correctly and the 2nd payment is in Pending status and the funds are unable to use. Said this was an unauthorized charge, but XXXX policy is if its over {$500.00}, its gon na be up to 30 days to stop and reissue, but they said to sit back and Wait & See if BOA takes their 2nd payment claim back. Called BOA back and the lady filed a claim for a refund as she said XXXX entered notes saying we made 2 payments in error. She advised itll take up to 10 days to refund back IF they took the payment. This is IMPOSSIBLE to get our money back and will be getting slammed on fees now!

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 2024-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/24, I submitted a request to my Mortgage lending institution LoanCare / XXXX XXXX XXXX, requesting that my escrow account be remove off of the VA loan mortgage. Because of the following reason. Since this loan servicer has handle our mortgage account there has been numerous mistakes made when applying payments from our escrow. 1 ) Informing the servicer a change in the insurance company and payments for a year has been paid in full to the new insurance company and do not pay the old insurance nor pay the new insurance company. 2 ) Request in writing a copy of the Law and/or the Servicer policy and/or procedure that state the reason why my request for removal of escrow account from the VA mortgage contract is denied ; when my husband is exempt for taxes and we have paid our insurance in advance for the whole year to get better rate discount if paid early. ( They will not send me this information. Only a letter on their stationary stating that they denied my request and their reason, but not the Law and/or the policy and/or procedure to reflect the denial in writing ). Nor will they honor my request for removal. Please see attached letter to Servicers.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
there are multiple hard inquires that was not authorized by me. I have reached out to the credit bureaus to try to get this problem fix and no help was offered.

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 2024-02-22 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: GA

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 XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-02-22 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:
I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/2024. The inquiry dated XX/XX/2024 is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Equifax is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: CA

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 non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a complaint against Equifax for their failure to resolve my disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address inaccuracies on my credit report, Equifax has not taken appropriate action. 

On the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX, I mailed dispute letters to Equifax requesting an investigation into several items on my credit report. These items contain information that I believe is inaccurate and incomplete. 

In response to my disputes, I received only one communication from Equifax in XX/XX/year>. However, the response did not adequately address the issues raised in my dispute letters. Instead, Equifax merely stated, " The results are : XXXX : Member number submitted not reporting as inquiry on credit file. Please verify the member number and resubmit your dispute online. '' I am dissatisfied with this response as it does not provide a resolution to the inaccuracies on my credit report. Furthermore, I have a legal right to dispute these items by mail, and Equifax 's insistence on online submission is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Tried to initiate a state title transfer with Hyundai Motor Finance ( HMF ) - submitted multiple requests for 2 months. Called approx 20 times during a month ( average call time : 40-50 minutes ). 

First I was told that I can not upload the XXXX form myself ( which my insurance company emailed me ), and I have to get them to mail HMF, which I did twice. I also faxed HMF the XXXX form ( which was something a supervisor told me after I had made 11 calls in 2,3 weeks ), but they rejected it again.

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 2024-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am in the process of a home equity loan for {$43000.00}. I have middle XXXX 's credit score, my income/DTI/credit/home value/title work have all been approved. I have submitted all condtions that I have been asked for. We were only waiting on Title work and Insurance to complete the loan. Both have been completed. I was asked for more conditions this week, which I submitted. Then I was asked for more conditions today, which I submitted. At this point, I think I am being racially and/or XXXX discriminated against by this particuliar underwriter. I was told today that the earliest they can complete my loan IF they are able to complete it is in the XXXX week of XXXX ( That's IF ). Throughout the process I have rarely been able to reach the loan officer by telephone for updates, questions, etc.

I have multiple bank accounts, 2 mortgages on 2 separate homes, a car loan, a credit card, etc. with Navy Federal Credit Union. I am their customer on multiple levels and receiving poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief