vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX XXXX and remove the following account from my credit report : 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I was shopping around for new insurance quotes and one of them send me a pdf document that says XXXX  on top. The person tells me well this is why you insurance is higher than it should be once those accidents erase then your premium insurance will go down I read the document and I had 3 accidents before that were not my fault they were the other people responsibility but on their report they have them as my fault I called the XXXX in Maryland and they told me that they dont provide the information to the insurance that they dont know where they get that information, that I should contact the Maryland insurance commissioner and try to get their help. 
I also called LexisNexis which is the company that provided my record to the insurance and they claim to be an agency that provides public records to insurance I said well you are providing the wrong information and that affects my credit, the agent says okey I would ask some information from you for security reasons which I understand but then she started asking me for my Social security, driver license and all of this info they are supposed to have already. At this point Im like wait I feel like Im providing more personal info that I want to share and anyways were did you get this information and she responds well from many sources like the public data, XXXX and many others.

The 3 accident on this report show as at fault and the 3 accident were at non fault which every time a insurance company give me a quote I get high prices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently received a letter from your company dated XX/XX/2024 regarding a FRAUD on the above account. According to your company, you conducted research and concluded I am responsible for this account. Your research is flawed. PLEASE EXPLAIN TO ME WHAT THAT RESEARCH CONSISTED OF AND SEND ME SPECIFIC EVIDENCE OF THIS. Keep in mind that, when this account was opened, I was a XXXX  at XXXX  XXXX XXXX XXXX, living ON CAMPUS, on the XXXX XXXX XXXX AND XXXX XXXX, did NOT live in XXXX, XXXX had no credit cards at that time. Please explain to me : how your research shows I am responsible for this account? PLEASE EXPLAIN. 

I have sent you the police report. I send you the fraud report. I have sent you information regarding my address at the time this account was opened. 
I am going to file a complaint with the Consumer Financial Protection Bureau. 
I am refusing to pay this account. I am willing to take this matter to any and all courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
Dear EXPERIAN, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account Number:XXXX Party Owed : XXXX XXXX XXXXXXXX Amount XXXX {$60000.00} Account XXXX XXXX  XXXX XXXX account XXXXXXXX XXXX XXXX XXXX {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. FTC 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Adverse action is against the law and is codified in USC 1691c and is pursuant to civil liability under 15 USC 1692 k. Wells Fargo is in Violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.

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 2024-03-06 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: Veros Credit, LLC
State: TX

Complaint narrative:
I did not give authorization for this company to pull my credit. XX/XX/2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: NE

Complaint narrative:
Unifund CCR LLC obtained a judgement against me on an old credit card balance in XXXX XXXX, XXXX. case # XXXX  XXXX for the amount of XXXX. Bi weekly garnishment payments were withheld by my employer and forwarded to the XXXX XXXX XXXX beginning on XX/XX/XXXX around XX/XX/XXXX with a balance of XXXX remaining. XXXX CCR LLC then filed another garnishment order in XXXX XXXX XXXX around XX/XX/XXXX and bi-weekly garnishment payments continued until XX/XX/XXXX. On XX/XX/XXXX, I received via US mail, a copy of a continuing garnishment order filed in XXXX XXXX XXXX by Unifund CCR LLC. The order stated the the garnishment order was to continue until XX/XX/XXXX. 
I contacted Unifund CCR LLC via telephone regarding the order and was placed on hold and no one came back on the line. 

On XX/XX/XXXX, I received via US mail, another copy of a continuing garnishment order filed by Unifund CCR LLC in XXXX XXXX XXXX on XX/XX/XXXX. The order states that the order is to continue until XX/XX/XXXX. I again attempted contact with Unifund CCR LLC via telephone and asked to speak to attorney XXXX XXXX XXXX ( This is who filed the garnishment order ), only to be placed on a long hold and then transferred to a different division with a voicemail. I left a voicemail and am waiting to hear back. 

As of the date of this correspondence, Unifund CCR LLC, has garnished {$2000.00} from my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Thos is the 2ed time my.account has been froze first time was XXXX. Or XXXX. 2023. And 2ed time since mid. XXXX. I have contacted citibank numerous times and their fraud department. I can't get any answers all I was told is my account is being closed and I will receive a letter. They have my money and I would like it back plus a fee. I did nothing to cause this. My entire identity has been stolen. I have been treated like a criminal by citi bank and 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 2024-03-06 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 2024-03-06 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: IN

Complaint narrative:
I sent a certified letter to TransUnion that was picked up from a postal facility at XXXX XXXX on XX/XX/2024. Within the letter, which I've also filed with the CFPB as a complaint with TransUnion, I told them of two hard inquiries which were unauthorized by me. The first, XXXX XXXX on XX/XX/2024, and the second, XXXX XXXX on XX/XX/2024. I am attaching a copy of an Identity Theft Report to this complaint, as well as a copy of my passport and a copy of a bill showing my name and current mailing address. Please remove these hard inquiries immediately.

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 2024-03-06 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: NV

Complaint narrative:
I just checked on my Equifax report and I can still see unauthorized and fraudulent inquiry that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open this inquiry and I have not initiated any transactions to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them 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 2024-03-06 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission and i also enclosed copies of the Federal Trades Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IN

Complaint narrative:
I sent a certified letter to Equifax that was picked up from a postal facility at XXXX XXXX on XX/XX/2024. Within the letter, which I've also filed with the CFPB as a complaint with Equifax, I told them of two hard inquiries which were unauthorized by me. The first, XXXX XXXX on XX/XX/2024, and the second, XXXX XXXX XXXX  XXXX on XX/XX/2024. I am attaching a copy of an Identity Theft Report to this complaint, as well as a copy of my passport and a copy of a bill showing my name and current mailing address. Please remove these hard inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
Movement Mortgage Company, XXXX, SC I received 4 % resident tax exemption /deduction in XXXX XXXX. On XXXX XXXX contacted /notified/ asked Movement Mortgage about exemption and how it was applied. I was informed they sent refund check, and would adjust escrow. I informed them I never received an reimbursement check. They then sent an escrow refund payment in XX/XX/XXXX. In XX/XX/XXXX, a professional was helping me manage retirement funds ( I am XXXX years old ), they noted that my escrow was extremely high for my loan amount and that the 4 % exemption had not been applied. I was shown that I was paying same escrow since loan origination in XX/XX/XXXX through XX/XX/XXXX and nothing had been adjustment. I was encouraged to call mortgage company, yet again to ask about payments. After speaking to four maybe five people, I received a call from XXXX in escrow department, there was some confusing explanation that the loan company had made a mistake ( that wasn't the wording and that was used ) my escrow had been adjusted from {$1700.00} to XXXX ( a considerable difference for me as a XXXX ). A refund check was sent of XXXX. My concern and complaint is if this was predatory/ lending and practices against me as a XXXX XXXX XXXX XXXX? I am also questioning my very low loan amount and very high escrow. I was well qualified for a higher loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
To whom it may concern. 

I have a checking account at M & T Bank located in XXXX XXXX. My deposit account has l been locked since XX/XX/2023. They have not provided a reason. I have inquired as to why the account is locked. They informed me that I need to come into a branch to update my personal information. I currently live in XXXX. They have told me multiple time they will mail a check with an explanation ( assuming this will be an adverse action notice ), yet I have not received it. When I have inquired about the check they continue to say it is coming. 

Can you please help me with this? Unfortunately I can not come to XXXX XXXX to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
In XXXX XXXX XXXX it was requested that the lease be transferred over to another party. The lease was never transferred and the other party that left the residence left in XXXX XXXX XXXX. At that time the amount owed was left to me for the termination of the lease which amounted to the equivalent of 1 month 's rents, {$1000.00}. 

The Account with National Credit Systems ( the Debt collector in dispute ) was opened in XXXX XXXX XXXX. 

XX/XX/XXXX : I disputed the account for accuracy with XXXX as the amount of {$7400.00} should not be the amount owed. The dispute was closed XXXX does not provide the date in which the initial dispute was closed. 

XX/XX/XXXX : another dispute was entered after learning the management company for the apartment I live had changed. I requested the lease agreement and the official move out date and was not able to obtain that. I then contacted National Credit systems the same day to obtain an Itemized statement of what was showing that is owed since I was unable to get that from the place that I rented, I was told that they do not have the original copy of the lease. 

XX/XX/XXXX : I contacted National credit systems again requesting some sort of explanation of the charges since I am absolutely positive the amount that I have been charged is not accurate. I was given the Itemized amounts owed over the phone and was told that I could log in to view the ITEMIZED amount of what was owed. Once Logged in I was only able to see the total amount owed, I was not able to view Itemized amounts owed Like I was told I would be able to. The explanation I was given over the phone was given in Approximate amounts.

{$2100.00} for back rent {$690.00} for late fees {$4100.00} for termination of lease fees.

{$100.00} Cleaning fee as mentioned earlier. the amount that I was told by the property management company back in XXXX was {$1000.00} for termination of lease. National credit systems was not able to provide explanation or documentation showing the reason for the difference in charges since they never received a copy of the lease in the first place when the account was opened.

I will attach a screencap of what I was able to see on the Debt Collectors website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam : on or about XX/XX/2024, I submitted a claim for Equifax Data Breach Settlement . Since, I have not received a response from Equifax in regards to the status o my claim, I sent them and email requesting the staus of my claim ( see attached ). 

Equifax acknowledged receipt of my email, however, they refuse to tell me the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank Business  Credit Card customer service says they issued new cards because my card was going to expire soon. Today 's date is XX/XX/2024. My card expires XX/XX/2024. XXXX  months away. The policy is that the card is active until the experation date. They tell me I will receive a new card in about 10 days. I have not received any notifications that my card is not active and they are sending me a new card. I have used the card for minor purchases today, but when I tried to process an order for a client in the amount around XXXX, with an open limit of XXXX, I was declined. Citibank would not allow the charge to go through. I will have to wait for my new card. I have international business travel tomorrow and my business credit card will not work while I'm travelling. Whoever heard of keeping a business from it's operations! I plan to cancel all of my employees cards and my account. This is outragous.

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 2024-03-06 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: TX

Complaint narrative:
There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX Bank and remove the following account from my credit report : 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 explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX Bank and remove the following account from my credit report : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation