vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Consumer USA Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account XXXX month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Hello consumer finance I started a complaint with you XXXX. On that complaint I stated " on XX/XX/XXXX I inquired about the arears in my mortgage, I was told it was {$7200.00}. I called back on XX/XX/XXXX and I was told that the amount was now {$18000.00} due to not being covered by bankruptcy anymore and I was advised that I had missed XXXX payments from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX my payment amount was {$1000.00} and from XX/XX/XXXX to XX/XX/XXXX my payment was {$1000.00} constituting my XXXX payments, my statements show that they have received {$10000.00} during that time. 
That Complaint has been recently closed based on this statement from the Mortgage Servicer " Rushmore has reviewed the recorded conversations held between XX/XX/XXXX to XX/XX/XXXX, and at no time during these calls did a Rushmore representative quote you {$7000.00} as the reinstatement amount. You explained to the representatives that you believed the amount to be {$7000.00}. The representative ordered a Reinstate Quote that was mailed to you on XX/XX/XXXX, XXXX amount required to reinstate the loan through XX/XX/XXXX is listed below. " As you can plainly see the DATE & AMOUNT does not correspond with what I have provided to you. Of course the conversation in my complaint didn't take place because the time frame they researched is not the one I provided to you. As you can plainly see this is a ploy to defraud you as a consumer advocate and steal the funds that I sent them. I have taken the liberty to attach the reinstatement quote that I was sent and the response that I have sent them by providing every months bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. 

https : XXXX Ive lost years of interest on my two savings accounts with this company. Instead of rewarding their long time customers, they chose to use deceptive practices to lower rates while offering new similar products at the rates I expected my accounts to keep. There was zero communication about transaction of my type of savings account to a low ( kids ) rate account. I never consented the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent in police reports and a ftc report stating that fraudulent accounts were open in my name

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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-14 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: IL

Complaint narrative:
Credit card account not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, they open 2 additional checking account for me without my consent. Every time I call the XXXX number to close it they hang up the phone on me and refused to connect me to the right department in order to do so. 
First XXXX XXXX  checking ending in XXXX and another premier checking ending in XXXX I want to close immediately because I did not open those accounts I do want to keep my original XXXX XXXX, checking account ending in XXXX. and tclose all the others Thank you very much

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 2023-06-14 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear CFPB Team, I hope this email finds you well. I am reaching out to you as I have recently discovered a note on my credit report that has inaccurately stated that there was a late payment in XXXXXXXX XXXX XXXX from XXXX. I would like to bring to your attention that this information is incorrect and that I would like it promptly removed from my credit report, as it could potentially hurt my credit score and overall financial status. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit bureaus, and must investigate and correct any errors that are brought to their attention. This Act clearly states that consumers have the right to dispute any inaccuracies and have them corrected in a timely manner. 

I have already contacted XXXX  and have informed them of this mistake. However, they have yet to act on my request to remove the erroneous information. I believe this is a breach of FCRA regulations and it is unfair for me to be penalized due to their mistake. 

I take my financial responsibilities seriously, and it is crucial that my credit report accurately reflects my payment history. Therefore, I am urging your team to take the necessary steps to ensure that this error is corrected as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. If you require any further information or assistance from me, please do not hesitate to ask. 

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 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/2021. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from TrueAccord stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for XXXX XXXX, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with TrueAccord. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). Collection account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX P.S. I have many more emails that I can forward. I would need an email address though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint Mortgage Service Corporation has not released or returned my Escrow Overage After Loan Paid in Full. As to their promise to refund in 20 Days After Payoff is has now been 40 days After Numerous Calls They Claim it could be an additional 120 days or more and the Excuses and Bold Face Bad Faith Practices Continue Different Story Every Time I Contact Roundpoint

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 2023-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I took out XXXX different student loans with XXXX XXXX XXXXXXXX XXXX  while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX . These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school, as well as exceeded the cost of attendance. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the XXXX different private student loans ( serviced by XXXX ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were XXXX XXXX XXXX loans. I am now being sued in XXXX General District Court in the state of Virginia by XXXX XXXX XXXX XXXX XXXX for each of the XXXX private student loans in attempt to collect the debt. 

I received a XXXX in Debt for XXXX of the loans. I have not received the XXXX in Debt for XXXX of the loans, although they are listed on the court docket. I believe they did not in good faith serve me with the other XXXX in Debt in an attempt to secure a default judgement for not appearing in court. The attorney of record handling each of the cases is Scott & Associates , P.C . as shown on each of the XXXX in Debt. In an attempt to avoid going to court, I contacted their office to offer a settlement that was realistically affordable for me given my limited means. They contacted me a few days later with counter-offer that was still well beyond my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
TO WHOM, IT MAY CONCERN, I HAD A BALANCE OF {$400.00} WITH GRAIN TECHNOLOGY, LOCATED AT :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PAID THE ENTIRE BALANCE OF {$400.00}. MY BALANCE IS NOW {$0.00}. I'VE ASKED THE COMPANY MANY TIMES TO UPDATE THE BALANCE TO {$0.00}. THIS IS DOING MORE DAMAGE TO MY CREDIT WITH THIS COMPANY REPORTING AN INACCURATE BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I leased a new vehicle from Hyundai Capital Finance at the beginning of XXXX. I decided to buy out the lease using a combination of cash and a new loan from my credit union. 

I made a cash payment on XX/XX/XXXX. I waited for that payment to post and then generated a buyout quote on XX/XX/XXXX, which was good until XX/XX/XXXX in the amount of {$43000.00}. 

I sent a check from my credit union in that exact amount along with all the other required paperwork. It was received and posted on XX/XX/XXXX. 

I waited for the lease to be closed, but a week later it was now showing a buyout balance of {$350.00}. I immediately called customer service to ask why there was now an additional balance despite me submitting the full amount. I was told that this was not correct and that they could see that I had paid the full amount in the buyout letter. 

I talked to customer service several times over several weeks. Each time they claimed to be escalating the complaint and that someone would correct the error and close out the lease. No one ever contacted me or explained why I was being asked to pay more than the buyout quote. 

At some point in XXXX, an additional {$350.00} was added to the balance, bringing it to a total of {$700.00}. When I called again, I was told that if I paid the original additional {$350.00}, the lease would be closed. Exasperated, I made the payment and waited for the lease to be closed. This still didn't happen. 

When I called back AGAIN, I got a very aggressive supervisor who said I owed the full amount and that was is. She put me on hold to " look into it '' and then disconnected the call. 

I gave up and paid the additional {$350.00} and now the lease has been closed. 

I have never received an explanation why my original buyout was not honored, or why {$350.00} was added weeks after I had made the buyout payment.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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 2023-06-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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