vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

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 2024-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP
State: NY

Complaint narrative:
I entered a mortgage contract with KeyBank in XXXX XXXX XXXX. This was a fixed rate mortgage at 3 % for XXXX years with taxes escrowed. In XX/XX/XXXX the monthly payment went up and it was assumed that it was tax-related, but then in XX/XX/XXXX, KeyBank tried changing the mortgage from the original contract rate of {$1100.00} to {$1800.00} a month. I was seething because clearly it made no sense. I fought back and they " investigated '' it multiple times, and kept coming back with new figures that I kept protesting. The only mortgage raise should be related to nominal tax raises that occur annually. They said they investigated and told me I now owe XXXX. I argued. They investigated. Okay, now they told me I would owe XXXX. I argued. Then over XXXX months they continued to investigate and then they told me it is now {$1200.00} a month ( from original {$1100.00} ) and I settled for this, though not comfortable because it seemed random. They explained it as having been doubled charged taxes or something like that. They were never really forthcoming, and always very curt, and could never explain things in laymens terms or in any way that made sense or built trust. Let 's face it, I'm currently paying {$100.00} dollars more a month than what I was contracted to pay and I don't even know if that is a right figure. I thought this nightmare would be over, but then in XXXX XXXX XXXX ( a couple of weeks ago ) they sent me an updated mortgage payment schedule for guess what amount ... {$1800.00}! The same thing they did last year. I finally decided to file a complaint here. Actually, I filed it with the XXXX  and they said they sent it to you guys and I decided to write a unique complaint here. From {$1100.00} to {$1800.00} on a {$120000.00} property at 3 % interest. The math never made sense, they changed the contract, and they have handled this year after year with a ridiculous approach and assessment and it's a breach of contract. I do not want to deal with them directly anymore on these problems. I want a third party to review my mortgage from XXXX XXXX XXXX to present, find out what I actually owe, ensure that these egregious errors stop happening, and reimburse me if I have been overcharged in the last three years of having this mortgage, per the contract. I am a XXXX year old, have worked hard to ensure this mortgage payment is met faithfully, and can not afford to pay more money because of KeyBank 's mistakes. I want this rectified once and for all. I would have refinanced by now, but I can't even do that because the interest rates are so high now. So, I'm trapped with this banking institution that consistently failed this mortgage management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
According to FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Could you verify the documents? The reported accounts have inaccuracies in the amounts and dates.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are inaccurate addresses on my report that I need to remove. These inaccurate addresses are causing identity theft issues.

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 2024-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This company keeps trying to collect on a time-barred joint account which i believe its against the law. The Statute of limitations in the State of Florida is 5 years to collect. Its been almost 6 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 explanation
Consumer complaint received 2024-06-01 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I reviewed an offer via XXXX XXXX for am amex blue cash everyday card. The advertisement stated that there would be no impact to my credit score to see if i prequalify. The website then stated i was approved but set my credit limit at XXXX. The promo offer for new account opening states you have to spend XXXX  in the first 6 months to get a rebate of XXXX. This is the only reason i applied for the card, if AMEX sets my limit to XXXX, how am i supposed to make enough purchases to get the promo? This is a bait and switch and intentionally done by AMEX to prevent people from qualifying for the promo payout. My credit score is XXXX and there is absolutely no reason other than intentional fraud o discrimination that my limit should be a paltry XXXX. I called AMEX new accounts and spoke with XXXX who was not able to help me and i requested a supeverisor. I advised robot i will be filing a complaint with CPFB and would like a callback from his supervisor. XXXX gave me confirmation number XXXX. I requested AMEX either cancel this application with no impact to my credit file or increase the list, AMEX refused to do either and stated per the terms, the account can be canceled but will appear on my credit file as a new account and drop my score. I am furious that they are allowed to bait and switch people thereby forcing them into a sub level product with an unusable credit line. Please close my account and erase from my credit file, or increase the limit significantly. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFF CAP SYS is alleging I owe a debt that I do not. I have no obligation under federal law to pay any debt that I did not go into a contractual agreement with. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report. Furthermore I refuse to pay any third party debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized inquiries have been detected 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING is alleging I owe them several thousands of dollar for debt accounts that are not accurate Account # XXXX Account # XXXX Account # XXXX Account # XXXX none of these accounts have been validated or verified as belonging to me because there is contractual agreement between them or I and I did it receive my rights to dispute this information prior to adding this information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : CXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. 
While checking my credit report, I noticed accounts, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent addresses which will be listed below. 
FROUDULENT ADDRESSES! 
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 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 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 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 explanation
Consumer complaint received 2024-06-01 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:
I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-06-01 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: CA

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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 2024-06-01 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I applied for a loan modification from M & T Bank. I used XXXX XXXX XXXX XXXX in XXXX XXXX. I was approved by the agency after filling out form & submitting information for a PHFA/HEMAP modification. It was sent to M & T bank on XX/XX/year> from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I posses copies of the actual filing. The bank claims they have never received this application under my name. When the bank received this application they processed it under my ex husbands name, his address & his credit information. This I have been told is a SEC violation, Federal Identify Misuse & a DOJ violation. My ex received the notification of the application of XXXX his address & name. He cancelled the application, the denial of the application is in his name & address. I did show a copy of the letter to the bank manager where the loan was originally started. The problem with this is that we dont have anything to do with each other, his name is not on the original loan, the deed, the will or any other legal paperwork. My & T wont find my application under his name. I have files of paperwork from a court hearing with M & T denying this. I have lost my home due to the fraud of M & at bank. I can not access the paperwork sent to my ex due to the fact that it is in his name & address not mine. Together we did use the bank M & T bought out for 3 other mortgages. It is the responsibility to disclose this mistake, not mine. Proof of the application has been submitted & ignored by the bank. I have lost my house to the bank in foreclosure. What they did is federal crimes.

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 2024-06-01 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:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a little more than XXXX reward points. If I redeemed the points online, I would get an additional 10 %. I searched my account for access to the points, I spoke to many card service representatives, I walked into my branch, I also had my personal banker online with me, while speaking to card services. I needed help from anyone, to access my reward points. The Wells Fargo website did not show my points. Only on my card statement, is how I knew how many reward points I had. Finally, this week, I was able to log into a redeeming website, but there was a message, the site was having technical issues, and the website was down. Every conversation with card service, they would begin or end each call, telling me that I could redeem online and earn an extra 10 %. I repeatedly stated that I was unable to access my points online. I was upset reading my XX/XX/year> statement. It read that XXXX points had expired. Fear of losing all my reward points, I redeemed all the points I could, over the phone with card service. The last conversation with card services, she sympathized with me for the expired points, and me not having access to the online Wells Fargo redemption. She indicated that there was nothing she could do. I did not get the extra 10 % that was advertised repeatedly and lost XXXX points.

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 2024-06-01 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-01 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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