vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Below is the follow inquires that I did not authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Transunion XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX SER Inquiry date : XX/XX/XXXX 2022

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Below is the follow inquires that I did not authorize XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2022

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I HAVE SUBMITTED 2 ADDRESS AND CORRECT LEGAL NAME DISPUTES TO EXPERIAN IN XX/XX/XXXX AND XX/XX/XXXX, EXPERIAN STILL FAILED TO CORRECT INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT, THEY ARE REPORTING ADDRESSES WHERE I CAN NOT BE REACHED ANY LONGER, PUTTING ME AT A BIG RISK FOR IDENTITY THEFT AND POSSIBLE FRAUD. 
EXPERIAN ALSO IS USING MULTIPLE WRONG SPELLINGS OF MY LEGAL NAME THAT COULD ALSO LEAD TO FRAUD AND IDENTITY THEFT. 

EXPERIAN HAS NOT CHANGED ANYTHING IN MY PERSONAL INFORMATION SECTION, EVEN THOUGH THIS WAS DISPUTED TWICE IN WRITING WITH COPIES OF MY IDENTIFICATION AND BANK STATEMENTS. 

EXPERIAN CONTINUES TO VIOLATE MY RIGHTS THAT PUTS ME IN DANGER OF IDENTITY THEFT AND FRAUD.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. 
XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX financial. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX originals. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX  XXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
US Dept of EDXXXX XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yXXXX timeline since this account is not related to bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions.

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 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX- XXXX XXXX  XXXX -NXXXX 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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a checking account with a promo code. The " Truist Offers '' site displays the following information regarding my enrollment in the promotion : Promo Code : XXXX Enrollment Date : XX/XX/XXXX Account Enrolled ( last 4 ) : **** [ I am redacting the account number ] So, I was successfully enrolled in the promotion. However, today ( XX/XX/XXXX ) I received an email from Truist saying : " we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' And when I log in to my Truist Offers account, it says : " The participating checking account was closed before qualifications were met. '' But the account has not been closed. I am logged in to the account right now through Truist 's website, and the account is very much still open.

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 2022-02-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/202 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This is in reference to a place called XXXX at the XXXX  previously owned by XXXX XXXX XXXX and now owned by XXXX XXXX. I had moved out 7 months or so after Covid first started and couldnt keep paying my rent from job loss due to Covid affecting my job industry. I dont recall the exact dates but before I moved out one of the staff told me that I wouldnt have to worry about the rent when I had asked about it, I also inquired that I knew the company that owned the property was receiving government assistance since it was considered a business and she ( the woman I spoke to had said that was true ). So, I also did ask if there were any penalties for moving out due to the current situation of that time and she said no. Apparently, the money I never sent XXXX for rent was sent to a collections company called PDM. I called PDM to try and understand or ask in other words how I had collections under them when the company that used to own the property no longer owns it. I gave my first and last name and was asked to verify my date of birth and last 4 of my social which I did not feel comfortable providing over the phone to debt collection agency I knew nothing about up until today when I went to speak with some of the staff that were there when the property was owned by XXXX. I do not recall receiving any sort of notification regarding debt from this collections company called PDM to verify anything and now Im being told that I cant lease or be put on anyone elses lease because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Credit Karma, LLC
State: VA

Complaint narrative:
There are two records on my credit report for Credit Karma XX/XX/XXXX. I dont know why there are distinct records. This is the way the information presents : 1. Credit Karma Date of request ( s ) : XX/XX/XXXX I did not make this request. 

2. Credit Karma Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Requests unauthorized. I do not have an active account with Credit Karma. The account was breached or a new account with Credit Karma was created with my personal information. I am unable to recover the account. 

I do not comprehend why a credit monitoring service does not have a monitoring mechanism for report abuse. If someone is abusing and attempting to obfuscate the misuse of information, the best way to validate is through credit information. How was this not flagged? Can information be purged to avoid audit trail? Why are there two separate records for the XX/XX/XXXX date and the second record has multiple dates? 

It is physically not possible that I executed these requests. I did not have any computer or internet access on XX/XX/XXXX. I did not make any of the requests. This is identify theft. I can not stop people from abusing my SSN. I should not be forever doomed to have my data breached because anyone with my SSN birth date and address can force their way into my accounts or create accounts using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XX/XX/2022 Navy federal : XXXX dollars XXXX XXXX, etc I dont know how much more cards they put in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: OK

Complaint narrative:
Due to covid i got behind on my second mortgage, it went into foreclosure because I was denied a mortification. I made an offer to settle the loan and was turned down. Now I've paid the account to get it paid up and try and pay it off quickly, now they have added fees and per diem which I'm not sure what for. They have repeatedly hung up or got " disconnected '', the loan officer was repeated rude and acted like i was bothering hime when ive asked for him to explain where the " fees '' came from, he said that the attorneys will have their own fees too, XXXX?? Can mortgage companies just add whatever fee they want we have to pay? When I've tried to make a payment online their system would not let me, when I called to make a payment they wouldn't take it. I've requested a pay off amount and the loan officer said he couldn't give that to me until they added the fees to it. this loan was for {$15000.00} and I've paid over {$36000.00} not including the {$14000.00} they say I still owe. This loan was made in 2008, when I called to refinance the loan several years ago they told me they don't do those types of loans. The interest rate is 14 % which I've read that in 2008 they consider some of these loans predatory. Now they have reported on my credit and basically destroyed my chance to refinance my primary mortgage. 
I wasn't sure if there is some legal action I could take. 
the company is Statebridge Mortgage out of Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO EXPERIAN AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting

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 2022-02-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are numerous inaccuracies and or negative items on my credit report that need to be fixed. These items are not reporting correctly according to the law. See letter attached for a detailed explanation

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Savor account active for several years. Asked to have annual fee waived after it was charged in XX/XX/XXXX. Representative stated they could not waive the fee but if I close my account the fee would be refunded. I fully paid off the balance in XX/XX/XXXX, received a bill for zero dollars for billing. XX/XX/XXXX through XX/XX/XXXX. Called customer service on XX/XX/XXXX and was told they could not process the annual fee refund yet and I had to wait until XXXX and call back to ensure the refund was processed. Called back to customer service on XX/XX/XXXX and I am now told that the account is closed and they have no way to refund the annual fee. I asked that they go back to the recorded lines and listen to the call where the representative told me I would get my refund but they declined me any further assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for an American Express XXXX Card with an intro offer of receiving XXXX membership rewards points after spending {$4000.00} within 6 months. 

In the month of XX/XX/XXXX, I met the spending requirement of {$4000.00} within the 6 month timeframe. 

On XX/XX/XXXX, I contacted American Express to inquired about the XXXX and was told " I'm sorry, the welcome bonus offer is declined on this card account. '' and " that The eligibility of the welcome bonus depends on various cards you've had with American express. It's considered as a one time incentive who are joining the American express for the very first time. Generally, this information is provided at the time of card application in a pop up. '' I told the Amex rep that I never received the pop-up to warn me of such. The Amex rep then opened an investigation on my behalf to find the real reason for my denial. 

On about XX/XX/XXXX, I reached out to Amex for an update and was told that my welcome bonus was denied because I also have an Amex XXXX card. I was never informed that having another card would deny my ability to qualify for introduction bonus rewards. I submitted a complaint to Amex and was told that nothing could be done to reverse this action. I believe that this practice by Amex is unfair as I have never been an Amex customer in my life and now have a hard inquiry due to the credit application for the Amex XXXX card.

Company response to consumer: Closed with explanation