vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: DC

Complaint narrative:
I require mortgage to be reported as mortgage and not landlord debt. XXXX has provided this information to XXXX which is incorrect and discriminatory. 

Consumer Attorneys- Dispute to First Advantage Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX XXXX I got a response from our attorney about the issue with your First Advantage report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello First Advantage, My name is XXXX XXXX, my date of birth is [ your XXXX ], and the last XXXX of my social are [ last XXXX digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last XXXX of your social and send this template in an email to First Advantage at XXXX Keep me posted on any responses or other correspondence you receive from First Advantage. 



If you have any questions, let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NC

Complaint narrative:
XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # XXXXXXXX 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 2023-11-17 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: NC

Complaint narrative:
XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
Hi I am XXXX XXXX XXXX, Natural Person in full life propria persona status, I had an account with XXXX  XXXX, i paid off any and all balances from my checking out, however XXXX XXXX never could proccess my payments, so i then would get issued A LATE PAYMENT, i adding additional chatges to my credit account, and utilization, thus fraudently creating a story of late payments, I then used A debit card instead, and personally told them due to their infractions i want to close this account, im still receiving hard inquiries and non factual comments on my credit reort, thus lowering my score VIA TRANSUNION, i then called transunion to dispute these inquiries and i opted out and wanted to freeze any all interactions with 3rd parties inquiring or reporting to transunion, and i was unable to " freeze '' the report because they were not able to identify me, i provided my last 4 of my ssn street addresss birthday full name, and sthey stll could not 'freeze '' my report, im askinf this Burea in according with 15 USC 181 1681,2,3 to delete remove all information that does reflect XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX i ahve no auto loans mortges or have loved at any address period ive been here 15 years yet unlawful incorrect info is being reported along with XXXX  XXXX and Transunion not being able to delete hard inquirie sand permanartly freeze my 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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX  and on XX/XX/, I called Lake Michigan Credit Union to inquire about why they were charging me for overdraft fees when I left enough money in my account to make my payments. And I also told them per 12 C.F.R. that a customer can opt out of overdraft fees. I did opt out on XX/XX/. LMCU still charged me {$30.00} on XX/XX/XXXX  and {$30.00} again on XX/XX/XXXX  after I opted out of overdraft. In addition, my payment to XXXX was already processed and validated as gone through on XX/XX/XXXX   in the amount of {$35.00}. Therefore, I had to pay that {$35.00} once again because LMCU sent the overdraft on XX/XX/XXXX  as my payment not going through. I can verify I made this payment a second time through my XXXX XXXX  account. Charging for overdraft fees when a customer has opted out is illegal and fraudulent.

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 2023-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Good Afternoon, I believe TD Bank has made a UDAAP violation. I called and inquired about a HELOC on an investment property. They told me they had a great HELOC program that would not have any closing costs. There was only an application fee of {$99.00}. This was discussed multiple times throughout the entire process that can be verified on their recored lines. Once they called me with my clear to close they now are saying that this loan does not fit the product they initially put me in and say closing costs would be {$930.00} in addition to the {$99.00} application fee. Had they mentioned this earlier in the process could have avoided this by not moving forward. the entire process I told them the only reason I'm working with TD is because there were no closing costs. at no point until I received my clear to close had they admitted there would be closing costs, the lied through the entire process and took advantage of a well qualified individual. 

I feel like I was put in an unfair position as I needed the funds to use on my properties and have now wasted an entire month that I could have been applying for a loan somewhere else with less closing costs. 

I called and asked what they could do about this and the loan processor XXXX XXXX instead of trying to remedy said ok we won't close and ended the call. I tried to speak to the lender who said they would escalate it and their manager said they couldn't help at all.

I'm concerned many other individuals are being taken advantage of by TD Bank and this is not right. Personally I work at a bank and understand the rules and regulations and this is absolutely deceptive and taking advantage. 

The offenders include : XXXX XXXX - Loan Processor XXXX XXXXXXXX XXXX XXXX - Loan Officer XXXX XXXX XXXXXXXX XXXX - Loan officer XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX : I was notified by XXXX, employee number XXXX. XXXX no. XXXX. 

Online account was closed. According to them there were 4 charges made by someone that hacked the card. There is no proof because they canceled my acct so I can not verify this information. 

I was told that no XX/XX/XXXX I'd receive my new card by XXXX  and there has been no notifications whatsoever from XXXX or XXXX regarding this issue. This means they have taken control of my money and my account, which is Fraud at this stage.

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 2023-11-17 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: MI

Complaint narrative:
Can you update my address and name on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
They sent a contract over I never signed my signature was forged. I have been trying to get them to remove and instead put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I had scheduled a payment and the bank did not draft the money from my account. They charged me XXXX plus late fees.. I called to complain and they asked me to produce a bank statement that could prove there were funds in the account. I did. 

The bank insist that there were no fund therefore the nsf and late fees. I requested my bank to produce the statement which reflects there were sufficient funds but they wont credit me back the extra {$40.00} they made me pay. 

Im still waiting for them to adjust or credit my account. And they dont want to. Now Im being forced to pay to prevent any problems with my account. 

I have made more than XXXX calls trying to resolve this with them and they keep ignoring my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Forged, deceptive invalid loan application and agreement not my signature, is my SSN, name, employer but not my address I never lived in CA, unknown references very forged signature, date of loan coincided with divorce and other trickery found fraud and other deception, other forgery, loan invalid void, paid through trust, servicer is ignoring fraud and consumer complaint against loan practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to dispute some fraudulent accounts on my credit report and the paperwork I am submitting per the FCRA is not being attached properly to my disputes and not getting processed correctly. And I am not getting copies of the verification process. 

These are the accounts : 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to submit a formal complaint against XXXX located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: MI

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 Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MI

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 Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account 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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo deposited 2 checks from my account. These checks were made out to a vendor, XXXX XXXX. XXXX XXXX does not have an account with Wells Fargo. Someone fraudulently deposited these checks.

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 2023-11-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any 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 2023-11-17 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX I received my property tax information in the mail. On the tax information was included a line saying my mortgage company had requested this information. I checked online and Discover home loans had, again not updated the information sent to them and decided to pay the incorrect amount, which will in turn be sent back in a month to them. I faxed the information and also send the file over to the contact department that day. Discover has no record of either of these items yet I kept the copy of the fax being received. The problem is EVERYTHING that escrow is supposed to be paid is not paid by Discover in the right amount which I have to pay with my own funds and wait for a refund from Discover a month or two later. Discover has been doing this for the life of the loan. The fact that I send them the information and they ignore it makes me wonder how much interest they are making on other peoples money from their escrow accounts while the people have to take extra money out of their own accounts to pay the bills so they will not show up as delinquent. I am getting tired of losing interest and the headache of having to do this EVERYTIME insurance or Taxes are due. If the company can not do the job, they should not require escrow accounts so that homeowners can pay the bills themselves and not have to go through the headache and higher XXXX XXXX that comes with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tesla, Inc.
State: WA

Complaint narrative:
I have reached out to tesla on multiple occasions to attempt to correct this error. Tesla has confirmed I do not own, nor have I ever owned a vehicle that is now financed through XXXX XXXX XXXX. I was told on XX/XX/27 to allow 7-14 business days for them to correct the error with XXXX XXXX XXXX  and close the errand loan. however, after the estimated time has lapsed, I reached out again asking for a resolution and still have not heard back. They can confirm that I do not own the vehicle the loan was taken out on, in fact it was sold to someone else who paid cash for the vehicle. I'm getting collection calls from XXXX XXXX XXXX and Tesla is telling me to ignore them and they are working on it. I need this loan closed and my credit to be corrected due to their financing error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation