vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
I checked my credit report and saw all these inquiries in one day and other I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I checked my credit report and saw all these inquiries in one day and other I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

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 XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number XXXX, Has violated my rights.

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 an 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 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/23 I attempted to pull out {$12000.00} for a medical procedure from my Citi Bank savings account. I was unable to use the ATM card provided by Citi bank due to a transaction limit. I called and discussed different options such as transfers and wire transfers to other accounts that I could utilize to gain access to the funds. Upon discussing this with multiple reps this day I determined Citi Bank was making it very difficult to gain access to the approximate {$19000.00} I had inside of my savings account. I spoke with one last representative after transferring {$10000.00} via wire transfer to my XXXX XXXX account and discussed that I could not transfer anymore or pull even {$800.00} out of the ATM and that I was highly frustrated that even though I had not reached my {$5000.00} spending limit in the past 3 days, I was still unable to pull out cash to cover the remaining balance of my procedure. He walked me through initiating the wire transfer to my external bank account for the remaining amount in my savings account because I feared at this point that I would not have access to these emergency funds in the future. I initiated that transfer on the phone with him on XXXX for {$8800.00} less the amount for the {$25.00} transfer fee, to my XXXX XXXX account ending in XXXX. I received an email stating it was pending.on XXXX I realized the wire transfer had still not recorded into my XXXX XXXX account. I went to my Citi Bank banking account and noticed I lost all access to my Citi bank account. I was unable to log in and see my balance and verify anything. I called to verify the transfer only to find out that my account was closed! It was referred for closure by Citi Bank and they were unable to disclose why. They did not want to disclose my balance at the time of closure and the reason for closure. I stated multiple times I needed access to these funds for medical purposes. I was referred multiple times to the fraud department and verified my identity a number of ways. They refused to worked with me transferring me multiple times and telling me that my funds will be mailed in the form of a check to my address in XXXX days. I feel Citi Bank did not want to release my funds from the very beginning of this entire transaction. They have {$8800.00} of my funds and will not disclose why they can not release it and why they have closed my account. I have included a photo of a transfer to the Citi bank account when originally funded from the XXXX XXXX account I was attempting to wire money back to.

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 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/2023 my mortgage went from {$650.00} to {$1200.00}. I spoke to XXXX from the Insurance department at Rocket Mortgage. 

I was told that my escrow amount for flood insurance was increased due to the fact that Rocket mortgage paid the entire condo associations a total of 21 units and billed it to me .My escrow account needs to be replenished due to this. Rocket mortgage stole money from me to pay a bill that was paid in error. The XXXX XXXX pays the flood insurance on all the units. Rocket Mortgage had charged my account for the total premium of flood insurance for the entire XXXX XXXX. They mailed a check to the Insurance Company to cover 21 units in this association. This was verified with XXXX from XXXX XXXX. ( see attached email ) So basically they did this in error and charged this to my account and they will not bring my mortgage payment back to the original amount of {$650.00} ( see attached new mortgage statement ). I am being told until they receive the money back ( money that I never received and have no way of getting ) my new mortgage payment will be {$1200.00} .Is n't this grand larceny? Rocket mortgage made a huge error mailed a payment to an insurance company for flood insurance on 21 condo units and they are billing me for this. This is insane. They refuse to rectify this error until XXXX XXXX mails the check back to the XXXX XXXX and the association gets it back to them. Why am I being billed for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I applied for credit with XXXX XXXX XXXX and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX 2023 Fully Loaded.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : 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 XXXXXX/XX/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 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX loan # XXXX Problem : SPS misapplied payments, did not apply payments. All mortgage payments were made timely and in full. Due to misapplied and not applying payments properly penalties, higher interest rates and collection fees were added to the loans. SPS has not been able to restore the loans to the correct amount owed. 

Hired XXXX XXXX in XXXX - XXXX Hired XXXX ( XXXX ) XXXX in XXXX to present We provided all paperwork, checks to show full payment and SPS still has not responded. 
I have spent close to {$30000.00} in attorney fees to get this resolved. 

I have fully paid SPS and have never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : Signature Payments XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023

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 2023-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts in collections are reflecting items that were initiated from an Equifax data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX, and 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 2023-03-09 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: EdFinancial Services
State: CA

Complaint narrative:
On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH XXXX XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had a credit card through Ulta Beauty, they use Commenity Bank for their credit card. I had applied at the store and used credit for about {$120.00} on XXXX XXXX, XXXX. I never received anything from the bank after that or a card for Ulta Beauty. I was not able to settle my balance because I didn't have access to an account. XX/XX/XXXX comes, and I start receiving phone calls from an odd number who claims they are Commenity Bank and that I own them money. I had never heard of the bank before, so I thought it was a scam and I ignored it. I eventually answer the calls and speak with an employee from Commenity Bank, who through a lot of confusion and questions, I figure out is the bank responsible for my card at Ulta. They inform me of the money I owe, and I settle my payment on XXXX XX/XX/XXXX. XXXX XXXX XXXX, Commenity/Ulta reports that I have a balance still on the card and that I have missed 4 payments, when I have already settled my card. I spoke with the employee and she cleared the payments from my account and I asked her to close my account. My complaint is that my credit score has gone down significantly due to this misunderstanding. Commenity to my knowledge has put in an effort to get this corrected, but I have not seen any remedy to my credit score, so I am submitting a formal complaint on my own behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, Experian, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!

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