vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In the month of XXXX, I made 2 {$200.00} payments on XX/XX/XXXX and XXXX. On BMO 's website it shows both the payments were received but I was only credited for the {$280.00}. There is no trail of where the money went and it wasn't applied to the loan. Furthermore, the payments are both showing as being made on XX/XX/2023 on BMO 's website which is incorrect. The activity on their end seems suspicious since no one can really tell me where the money went.

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 2023-02-27 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: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TX

Complaint narrative:
In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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 2023-02-27 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: TX

Complaint narrative:
In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 XXXXXXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CA

Complaint narrative:
TRANSUNION hung up the phone while on a threeway with attorney on today XX/XX/23 @ XXXX XXXX XXXX  XXXX  identified in there system showing no pending disputes but on the other side Stating to CFPB and the ATORNEY General still working on issue A FRIVILOUS LYE

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CO

Complaint narrative:
I've been repeatedly rejected for a Discover credit card due to the stated reason of the number of inquiries. I only have six inquiries on XXXX, which is the credit reporting agency they used. Six isn't very many, especially considering that I was shopping around for a car loan. 

XXXX XXXX said I have excellent credit, a XXXX balance on my credit cards, and an excellent chance of approval. I spoke with a manager who said I needed fewer inquiries, but they couldn't say how many fewer. If I'm aiming for a particular number of inquiries, it seems fair to at least let me know how few I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: MD

Complaint narrative:
I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 

Equifax- [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank wants to hold my funds deposited from an insurance check -- not a personal check -- for 5 business days and will not release them since it is a savings account. They won't even review it until after 24 business hours which is already 72 hours in real time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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 XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TX

Complaint narrative:
I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
For the past year I have been disputing a fraud claim against Chase Amazon - Visa credit card. Fraudulant balance amount is near {$20000.00}. I have provided the Chase fraud department numerous documents to support my claim and am repeatedly advised to submit yet more information which I do. Now I am being told I need to attain a letter of direct acknowledgement from Amazon to support my claim. However, there are no fradulent charges on my amazon account- where I make purchases from. The fradulent charges are coming from the Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Some company by the name of XXXX have sent me to collections by 5 different agency. Soon as I resolved with one company another write me and send to my credit history. I have been fighting with them for years they remove it then put it back under a different name. 

They have used XXXXXXXX XXXX XXXX XXXXXXXX now Vance Huffman llc. 

I keep telling them I never used XXXX  they refused to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please Remove the fraud alert from XXXX, Equifax, XXXX immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: TX

Complaint narrative:
My mortgage has been in forbearance under The Cares Act for 6 months. The loss mitigation application the company sent me, gave me the option of providing my last federal income tax return in lieu of a lengthy and complicated ( to me ) set of forms to fill out. They have had the application for several months and I have heard nothing. I inquired about the status of my application on XX/XX/23, and was told it is no longer valid. The company now has sent me another application for mortgage assistance which again is extensive and complicated ( to me ) but does not allow me to provide last years federal tax return instead of the numerous forms. It appears the company has changed the rules regarding a loan modification request. I believe this is a violation of mortgage service loan modification. The company is aware that I am a XXXX XXXX XXXX XXXX XXXX veteran ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and has made no accommodation for my XXXX, but has in fact completely disregarded the same. The company has committed at the least, I believe, the following violations.1 ) Refusing to honor or review my loan modification request. 2 ) Not responding to my application for loan modification within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions 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, 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 XXXXXXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX {$270.00} XX/XX/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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I looked over my credit report today and seen some discrepancies and there is a charge of {$200.00} for a capitol one that began on XXXX XXXX the account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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, XXXX XXXX  and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

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 2023-02-27 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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