vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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:
PLEASE SEE ATTACHMENTS : Enclosed is the comprehensive evidence of Experian 's transgressions against federal laws, including the FCRA and GLBA. These violations comprise unauthorized reporting, deficient verification, failure to adhere to opt-out requirements, absence and improper investigation procedures. These actions infringe upon my rights and have led to substantial harm.

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company reported my balance to my account incorrectly which drastically increased my utilization on my credit report. If you look you will see that prior to this reporting my account balance has always reported low balance and utilization.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Problem : On XX/XX/XXXX, I received a text to my cell phone asking to verify a purchase on a Bank of America credit card. ( see attached copy of this text message ) Facts : I do not have a credit card with Bank of America. 
I do not have an account with Bank of America. 
I have never had an account nor credit card with Bank of America. 

Attempted Resolution : I have made Ten attempts to contact Bank of America to resolve this issue. 
I have called all the 1-800 numbers listed on the website of Bank of America , but they are all automated and require a Bank of America account number to proceed with the call. 
I have not been able to communicate with anyone at Bank of America.

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 2023-08-24 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: TX

Complaint narrative:
I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.

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 2023-08-24 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX  bill this year. They show I had a charge in XX/XX/2023. I have medical insurance anytime I go to hospital. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AR

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an Experian account that I am being blocked from accessing. I have contacted Experian on several occasions to have the log in changed, phone numbers changed, password resets and they have refused to delete the account so I can sign up using different email address. I have also explained that my identity may be used after my passport was stolen in XXXX. Some of my minor child 's info may have also been used and if to prevent it I was signing up with Experian. Before I could pay for the subscription after the free trial, the agent I spoke with cancelled the membership saying that might be why I can't log in. After he did that I was still not able to log into the account. Experian has blocked my access on all credit platforms, including my FICO account which comes with all three bureaus.

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 2023-08-24 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: SC

Complaint narrative:
XXXX  XXXX is showing XXXX  days late for XXXX months. The account still shows open and has been paid off since XX/XX/XXXX. It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the account was already paid off by then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
ERROR CODE XXXX  THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I have been unsuccessful in getting Caliber to rectify a problem they created which has now put my mortgage loan into default. This problem started in XXXX XXXX, and I have had to resort to filing a complaint with the PA Dept of Banking which prompted Caliber to finally admit an error was made but only corrected some of the issues. The negative spiral that has occurred is all due to Calibers initial mistake and their refusal to remove escrow from my account even though they provided the amount needed to zero escrow balance in order to remove escrow. I have attached my chronology and pertinent documentation, and the actions I want Caliber to complete to resolve this issue. Below is a brief overview of the problem.

1. I closed in XX/XX/XXXX and voluntarily elected to have my mortgage escrowed 2. My township did not send any tax bills for XXXX 3. In XXXX, my township sent tax bills for both XXXX ( {$5500.00} ) and XXXX ( {$7300.00} ) which Caliber paid totaling XXXX 4. The XX/XX/XXXX escrow statement inaccurately estimated my XXXX taxes to be XXXX when it should have been XXXX. Caliber had also refunded escrow surplus to me when the XXXX taxes were not billed. The new XXXX  monthly mortgage payment was mistakenly more than double going from XXXX to XXXX per month. 
5. Since XXXX I have tried everything to get this fixed and requested/demanded that escrow be removed from my mortgage. Initially I worked with XXXX XXXX from XXXX and when she was not able get the problem resolved, I advised her and Caliber several times through email, phone calls and certified letters that escrow should be removed and I would pay principal and interest only ( {$1400.00} ) starting XX/XX/XXXX. 
6. Caliber has cashed each timely P & I check but considered it partial payment and has reported late payments to the credit bureaus which caused my credit score to drop XXXX points! 
7. In response to my letter of complaint with PA Dept of Banking, Caliber finally admitted their mistake and on XX/XX/XXXX revised the escrow statement to reflect XXXX. They also said that I was XXXX in escrow arrears and to remove escrow, that amount had to be paid. 
8. I immediately sent the XXXX but escrow has not been removed, my monthly payments have not been properly allocated to P & I, late fees generate have not been reversed and the derogatory reporting to the credit bureaus has not been rescinded. 
9. On XX/XX/XXXX Caliber generated a letter that stated my loan was in default 10. My taxes are due to the township by XX/XX/XXXX. I will be making the tax payment to the township directly. Caliber should not be making any payments for taxes or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
Hi, I been reaching out for a debt collection company for over a year inquiring on the remaining balance, most of XXXX, and the company did not respond back because I was indicating that based on my records the debt was supposed to completed and paid in full. Now someone from the company a year later is threatening to sue based on their lapse of their company not following up with my inquiries about my debt being satisfied is now saying they are going to sue me cause my debt was collecting interest. When in addition to, they refused to update on my account balance when inquired as well. And the first time someone follows up with me over a year later was today XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

15USC 1681 Section 602 States that I have right to privacy.

15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE SEE ATTACHMENTS : Transunion has violated federal laws, including the FCRA and GLBA, by unauthorized reporting, lack of verification, failure to comply with opt-out provisions and disregard for proper investigation procedures, infringing upon my rights and causing substantial harm.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account is frozen and I cant unfreeze it because the number that they have is not my correct phone number and its causing me not to be able to open up my business account at the credit bureau. I really need to get this taken care of as soon as possible I believe its through Experian.

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 2023-08-24 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: CA

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file. all data that is inaccurate has been listed in the files below. checking my credit files none of the credit reports are accurate on all 3 reports. this is violating my consumer rights. please review an remove the items listed submitted in the filets clear all inaccurate data on my credit report asap.

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 2023-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo loan modification is fraudulent I was called and said I had to be there at XXXX oclock to fill out paperwork or I lose my home. I further looked into the payments {$32000.00} is missing they said that it was back payment but I never miss a payment prior to or now on any payments. Also, on the modification they gave me theres a base payment theres no adjustment for principal payment only for the interest and when you do the math it does not add up.Been trying to straighten this issue out with Wells Fargo to no avail.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I received a phone call on my cell phone, XX/XX/XXXX at XXXX XXXX  from phone number ( XXXX ) XXXX. The man said he was a Best Buy employee, however, I could hear the wind in the background. He then asked me if I ordered a camera from Best Buy and asked my name. I told him my name and said I never ordered anything from Best Buy. After hanging up the phone, I called the phone number back only to find out it didnt exist.

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