vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: NC

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Last week I received a notification from XXXX saying that I had a new credit inquiry on my file. This credit inquiry was for Capital One. I called XXXX to dispute this inquiry and they put a Fraud Alert on my credit report and disputed the inquiry. 

In addition, I called Capital One to dispute this card inquiry with them. They checked their system using my name, date of birth, SSN and address but did not see any accounts for me. I had assumed that this was an error and since XXXX put the alert on my file and Capital One didnt have my information, I let this issue go. 

Today I opened my mail to find a Capital One card, even though they said they couldnt find a card on file for me. I called Capital One to dispute this card and he said that the personal information that I provided matches the information that was provided to open the card. He asked if a family member may have opened the card in my name. I said no. He then told me that the only way I can get this credit off of my credit report is for Capital One to conduct an internal investigation. I asked him to tell me what the credit limit for this card was to see how it would impact me, and he did not tell me. The credit limit is also not listed anywhere on the credit card envelope of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Information not removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Churchill Holdings, Inc.
State: GA

Complaint narrative:
I have written 27 pgs. for this complaint so I am attaching those pages. This has been a nightmare with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring punctual payments has always been my priority for this account, avoiding any instances of overdue payments. I'm puzzled by the existence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a judgement from XXXX XXXX XXXX, and a municipal court that said I owed {$3000.00} and they are adding 5 percent interest on a card that I believe to have been opened fraudulently. It was from capital one and it was opened in XXXX. The last time I had a credit card from capital one, it was closed and paid off in XXXX. Even if it is my debit, it is well past the 7 year drop off period because they bought the debit. I have disputed it over the last few years with the credit bureaus and they took it off my credit report recently. Then Monday the XXXX of XXXX, I received the judgement now threatening wage garnishment. I called XXXX directly and the lady was rude. I told her they couldnt add years to this debt just because they bought it, and I still believe it to be fraudulent, however she told me it wasnt illegal to buy debt regardless of if I told her it wasnt accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern : I never applied for a XXXXXXXX XXXX  XXXX Credit card. I requested in 2022 for them to provide an application with my signature to prove I have an account they just ignored my request. They did close my account but they continue to charge me finance charges. I wrote to Transunion to dispute and got an investigation result saying it has been removed from my credit report. I have recently checked again since my XXXXredit score reflects a problem. It is not removed and still states XXXX is charging me finace charges. 
Thank you, 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed an inquiry on my Transunion Credit Report that I do not recognize. The inquiry is from a company, " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/2024. It is unauthorized and should be removed from my report. I have filed an identity theft report and attached it to this complaint. I've also attached my id for proof of identity.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, fraudulent auto loans were obtained in my name through BMW Financial Services without my knowledge, consent, or approval. These unauthorized transactions were discovered by me in XX/XX/XXXX, when reviewing my credit report. The total amount fraudulently obtained is approximately {$79000.00}. 

Upon discovery of these fraudulent entries, I took immediate action to address the situation. This included : Reviewing my credit reports in detail to identify any additional fraudulent activity. 
Placing fraud alerts and credit freezes on my reports with all three major credit bureaus to prevent further misuse of my personal information. 

Filing this Identity Theft Report with the Federal Trade Commission ( FTC ) to officially document the identity theft and to assist in the resolution process with the credit bureaus and the financial institutions involved. 

These unauthorized loans have placed undue stress on my financial well-being and have the potential to significantly damage my credit score. I am seeking the removal of these fraudulent loans from my credit report and am requesting a thorough investigation into how my personal information was compromised. I intend to resolve this matter promptly to prevent any further fraudulent activity and to restore my financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 explanation
Consumer complaint received 2024-03-26 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: TX

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. 

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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On both XX/XX/2024 & XX/XX/2024, I contacted TransUnion Credit because I can not fully manage my credit file/report online. ( ie, I can not either place a freeze/unfreeze or lock/unlock my credit file unless I speak to a CS agent with TransUnion ). I was told that since I am a victim of credit fraud/identity theft that TransUnion will not allow me to fully manage my very own credit file online. I attempted to speak to several CS agents with TransUnion and completely ended up with no resolution. I was actually transferred from department to department. I was told my matter would be esculated and receive a callback within 5-7 business days. I have yet to receive a callback & have not ever receive a callback. This has also been an on-going barrier for several years.

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 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My escrow is over $ 12000/year. My taxes and insurance are XXXX. 

They told me they only do one escrow analysis per year. It's wrong. 

I need an escrow analysis 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services
State: WA

Complaint narrative:
Lendmark financial services is reporting late payments to an account that is closed. Per US Code 15 C 1681 B, states that any negative information must be approved by me in witting, i didn't give any permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I called in on XX/XX/XXXX to request letter for mortgage Im applying for and was told it would take 10 business days. The letter never arrived so I called back on XX/XX/XXXX on 3 separate occasions. I was given 3 different stories by each agent who helped. The last guy who helped me names XXXX was extremely rude and would not let me speak. Constantly spoke over me and cut me off. Horrible customer service. Im not sure if he even took my request and when I asked to speak with a supervisor he put me on hold for 30 minutes and no one ever came to the phone. 

I need a letter ASAP for my lender detailing each loan I have with account number as well as the balance as shown on my credit report. Unfortunately this information isnt on the website for me to print myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

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. 

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 explanation
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
FCRA 605B seems to require us to eradicate any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It is my contention that the inclusion of incorrectly stated late payment remarks on my accounts constitutes a violation of 15 USC 1666. Every payment associated with these accounts has been timely rendered, and any deviation from this precise reporting is considered unjust and illegal.

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 2024-03-26 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: FL

Complaint narrative:
Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
THERE ARE SEVERAL INQUIRIES THAT I REQUIRE PROOF OF A PERMISSIBLE PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America send my CA EDD card in the mail and it was intercepted again by someone else who depleted my account and used all of the funds. I have opened and reopened claims with the given claim department and submitted the documentation requested ( police report, proof of address, CA ID, written statement ). My claims were denied immediately, within only one day, and I was denied the money that is rightfully mine. Bank of America has denied my claims so quickly that there is no way they could have done a thorough and complete investigation. This is wrong and must be illegal in some way. I waited so long for these EDD benefits and someone else is getting away with stealing them from me. Bank of America is clearly okay with this and does not protect their customers what so ever. 

Claim # XXXX Claim # 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