vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of revolving account at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Struggling to provide a better living situation for my wife and our XXXX kids I turned to XXXX XXXX about XXXX  years ago with promises of much improved XXXX XXXX to be able to be approved for homes in nicer areas with better school systems. I was not comfortable paying up front costs and fees but I did out of desperation hoping it would pay off in the near future. After months and months of payments and fees I never saw any actual proof or evidence of credit improvement on XXXX Laws behalf. I eventually attempted to stop making the required monthly payments and turn elsewhere for guidance but was offered a lower monthly payment by XXXX XXXX behalf to keep my business. Again thinking that maybe they needed more time to monitor and fix things with my credit I started making the lower monthly payments. This went on for a few more months before I stopped making payments completely. On my XXXX XXXX behalf account page it would always show that things were in progress. That was the case for the entire duration I was paying them. I soon realized that I had wasted so much time and money dealing with this company. Money that could have gone towards feeding and clothing my kids. This company also talked me into setting up a separate account for my wife to fix her credit as well! She dealt with the same exact issues! Definitely feel as though my wife and I were scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I opened an account at XXXX XXXX through Fortiva credit on XX/XX/year> at which time I made a purchase totaling {$65.00}. A XXXX  went by and I had not received my credit card. I called Fortiva and I was told that the card was on the way at the time that I needed to make the first payment on my charges from XX/XX/XXXX. I downloaded the app to my phone and realized that the card had been stolen and there were charges that appeared on my account that were not made by me. I called Fortiva to file a fraud complaint and was informed it would take XXXX  days. I have made recent calls. I was informed that I should pay the current minimum due in order to avoid finance charges late fees, which would affect my credit. I informed Fortiva that I had not made those charges and that I was not going to be held responsible for charges that were not made by me while they completed their investigation. I was then told that the company would continue to report accordingly until the investigation was complete. I had asked for the company to release the fraudulent charges in order for me to be able to use my account after I had received a new card. The company would not guarantee me that they will not negatively report during their investigation. On the contrary I was requested to make the minimum payments for charges that I did not make while they completed the investigation so my credit will not be affected. I feel I should not be held responsible, and my credit should not be affected during the investigation of fraudulent activity from a stolen card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MT

Complaint narrative:
At somepoint an account named XXXXXXXX XXXX was put on my credit report. I do not know whos it is. I reached out to XXXX XXXX they confirmed it doesnt have my name or address, and said I need to challenege it. I have done so many times with TransUnion. TransUnion will not remove it but I do not know why. 
Please remove this account.

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 2025-01-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being.

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft. 

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue.

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements.

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court.

I trust that you will address this issue swiftly and look forward to your prompt response and resolution.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being.

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft.

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue.

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements.

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court.

I trust that you will address this issue swiftly and look forward to your prompt response and resolution.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NV

Complaint narrative:
XXXX XXXX XXXX : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account XXXX XXXX account number XXXX, an auto loan account opened at XXXX XXXX XXXX account number XXXX, a collection account opened at XXXX XXXX XXXX opened XX/XX/XXXX, a cellular line opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I've been having trouble with an eviction debt, due to unlawful means of eviction. Company raised rent and made a new policy to not take partial payment, rendering our gov support for rent useless. The stopped taking payment. Since then I payed back nearly XXXX through garnishment of wages, but recently wona dispute in court and had it thrown out and closed. I was completely reimbursed. The most recent dispute is moving that debt around and I keep getting turned down for getting a lease for even XXXX XXXX XXXX XXXX XXXX XXXX. I have court documents and email correspondence saying they can't give me that information because they can't prove who I am. They are trying to give me to give them information on myself to use against me. This situation has already contributed to the XXXX XXXX XXXX XXXX XXXX who was also joined on the lease for being forced on the streets when she was sick. I have a right mind to sue XXXX XXXX XXXX  over this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
For background this is regarding a XXXX XXXX XXXX checking account, we mailed check number XXXX to XXXX XXXX XXXX in XXXX, XXXX  for {$3000.00}. This check was mailed from inside the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. When the statement arrived in mid XXXX, XXXX  it showed the check cleared for that amount. 

On XX/XX/year> XXXX XXXX notified us that they had not received payment ; at that point we reviewed the statement which showed the check had cleared ; however, when we pulled the check image to send to XXXX XXXX we discovered for the first time that the check had been altered. At that time I called BMO and notified them of the fraud. They put a hold on the account and gave us additional instructions including to come into the branch to file an affidavit of fraud which we did. 

When we filed that affidavit with the branch on XX/XX/XXXX, they stated that we would be contacted after an investigation regarding the next steps of having the stolen funds redeposited into our account. 

After several weeks of not hearing from the back we contacted XXXX at the branch and she indicated that we should have received a letter from BMO denying our claim. We never received that letter and finally after multiple attempts to contact the bank, XXXX finally forwarded us a copy of the denial letter via email on XX/XX/XXXX. 

There are several issues with the letter. First it indicates that we did not take reasonable care in examining the statement. I do not believe you have taken into account the circumstances where the fraudulently modified check was the same amount as the original check but the payee was altered, this should have been taken into account because it is a frequent structuring tactic to prevent the transaction from being flagged by a customer. Second you state we did not notify BMO in a reasonable time which you define as 30 days ; however according to the XXXX  adopted Uniform Commercial Code ( UCC ) 4-406, you must report any unauthorized alterations or signatures on your bank account within one year of the statement or items being made available ; not 30 days that BMO says we have to report the fraud. Finally, the letter states that " in addition, prior counterfeit checks have been processed on the account in the past. '' This is not accurate. We have never had any fraudulent activity in the 17 years the XXXX has banked with BMO or its predecessor ( Bank of the West ). 

I dont understand why BMO has not recovered the funds from XXXX XXXX XXXX who appears to have accepted the fraudulent check.

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 2025-01-04 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: OH

Complaint narrative:
On XX/XX/year>, I sent via certified mail a copy of my FTC Identity Theft Report, Identity Theft Victims Complaint and Affidavit, proof of my identity, and a letter requesting the immediate blocking and removal of fraudulent inquiries to Equifax. Despite my compliance with all requirements under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], Equifax has XXXX to remove the fraudulent inquiries as mandated by law. 

Under FCRA Section 605B, a consumer reporting agency is required to block the reporting of information that results from identity theft within XXXX business days of receiving proper documentation, including an identity theft report and proof of identity. XXXX refusal to comply with this legal obligation is a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Selene Finance refuses to honor my Homestead Exemption for being a 100 % XXXX Veteran. It looks as if they have already paid this years taxes but have not received any confirmation on this. Per multiple phone conversations, Selene Finance is to backpay the difference that I paid from XX/XX/2024 to Present once the Homestead Exemption is applied. However, they are not applying my homestead exemption to my mortgage. This has been the worst mortgage company I have ever worked with and this needs to be escalated to the highest level. Selene Finance LP needs to add my homestead exemption to my account and backpay the difference that I have been paying for a year now. They also need to refund the months that I paid a higher mortgage that was around {$4200.00} when my mortgage was {$3500.00}. This happened due to an issue in the escrow account that was caused by Selene. They are not properly managing my escrow account or my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.

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 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
I founded this company upstart, has been consistently running my credit without my permission. I asked whether they had any information showing I was a customer, and they indicated I was not a customer and did not have a business relationship with them that they know of. I asked if they would open a fraud investigation to determine who was running my credit since they did not have any of my information on file. Although the credit report indicates the number I had called and the company upstart was the one running my credit. When receiving mailed materials, I have repeatedly tried to opt out of their offers per the printed material, however, they require social security number, date of birth, address etc. to accomplish this. I believe this entire company may be a scam and means of getting consumer information without their explicit consent. Please take a look at them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I requested the removal of incorrect data and invalid inquiries due to data breech. They stated they only report factual information and that the inquiries will remain. I filed a complaint through the CFPB and they stated r they needed more time- you already sent me the determination.

Company response to consumer: Closed with non-monetary relief