vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: NY

Complaint narrative:
Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I showed them the bill that showed my loan/lease was paid in full. They didn't care. They put their lawyers on me to get a lot more XXXX Problem is, I don't have a legal dept... Hiring a lawyer will cost me more than settling. So I had to settle to prevent going to court and costing even more XXXX They know this. Btw, I offered to return the equipment to make them stop trying to sue me for more XXXX but they didn't want it bc they want $ and the equipment is worth nothing. They use a legal dept basically to shake you down. They know what they are doing to hurt you. This is not a business offering a service and simply wanting to be paid ( like a restaurant or Drs office ), this is a business set up to get as much $ from you as possible without offering a reasonable service.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a negative item reported by TransUnion on my credit report. The account in question is from XXXX XXXX XXXXXXXX XXXX " Original creditor '' with a balance of {$1700.00}. 

I have repeatedly disputed this account with TransUnion, as it does not belong to me. However, despite my dispute, TransUnion claims to have verified the account, yet they have failed to provide any verifiable proof or documentation supporting this debt. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify the accuracy of information reported to them. Without providing proper verification, this account should not be reflected on my credit report. TransUnion has neglected this responsibility by not offering any documentation to substantiate the claim that this debt belongs to me. 

I am requesting the removal of this item from my credit report as TransUnion has failed to provide proof of its validity. Their failure to comply with the verification requirement is damaging my credit score and overall financial standing. 

I kindly ask the CFPB to investigate this matter and assist me in resolving this issue promptly. 

Thank you for your attention to this complaint.

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 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion 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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
BMO sent a promo rewards offer of spend {$600.00} per month on card, receive {$25.00} cash back, able to use in XXXX and XXXX. Never received reward and called. They claimed offer was for " another card '' even though I had a hard copy received in mail for offer. 

Obtained a supervisor in XXXX who promised to honor the offer, swore up and down I would receive the {$50.00} in rewards but at the end of XXXX. No rewards. 

Called again to have a supervisor insist no such promise took place and additionally claimed the offer was for " a different card '' and I couldn't obtain it. 

Bait and switch and also brazenly lied to by customer support. I spent {$1200.00} on their credit card in order to receive this {$50.00} in rewards and never received it and worse, keep on the phone for hours trying to get it to have someone argue with me that there never was the offer in the first place or it's on a " different card ''. 

XXXX by XXXX, bait and switch. 

Documents were offer which I no longer have but also phone logs where supervisor promised I would receive the {$50.00} at the end of XXXX. BMO magically claims there are no such notes when I specifically demanded the supervisor make those notes in the account and he swore he did.

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 2024-10-09 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CT

Complaint narrative:
I received a call today from Selene XXXX XXXX XXXX XXXX  and was able to pick up the call. The customer service representative informed me that my mortgage went up by XXXX dollars a month because of escrow. My mortgage home taxes went up for the year by XXXX dollars a month and I'm just finding out about this. I was informed i have to keep double the amount in my account. I have been trying to remove my home owners insurance and my taxes from my current mortgage. I want to pay it on my own, I don't like how Selene do business and I always have a hard time getting proper assistance. I want to pay my own taxes and insurance yearly because it will be easier and less stressful. I don't understand why it takes this company so long to respond, I can't afford the extra XXXX dollar a month and I don't want these payments spread out for the next XXXX years. I'm very annoyed and need help, it seems like they don't want to work with me, they are trying to bury me. The company is Selene Finance and I believe they are a mortgage lending company. My current mortgage is XXXX and due to them stating I have to have double the escrow in my account and they said I was short by XXXX dollars for my taxes because the town went up. I want to pay my own taxes and insurance to avoid situations like this because my mental health is impaired from this and now they want my to pay XXXX. This is crazy and ludicrous, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a new home in XXXX  and moved from XXXX. Unfortunately, plans did not go as planned and I was behind right away. I kept close communication with my lending company letting them know when I would be making my payments. A representative I spoke to assured me, my credit would not be affected as long as I made my payment when scheduled. A couple of times, the second half of my payment was past the 30 days but it was confirmed by a representative that there would be no credit reporting as long as I paid it as scheduled. I have been hit with a payment on my credit report which has brought my credit score by about XXXX pts. The mortgage company said they did an investigation and found no calls of any of their representatives telling me such information. I find it hard to believe they thoroughly went through those calls because if they did, they would have heard when the representative told me my credit would not be affected. I have worked really hard to make sure my credit does not go down due to late payments. I have 100 % payment history on my 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
There are serval accounts on my credit report that are wrong. From XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked 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 : XXXX XXXX Transunion : 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked 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 Equifax : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCOUNTS LLC
State: CA

Complaint narrative:
XX/XX/year> - received medical debt collection notice from Universal Accounts LLC. 

Both my attorney and I requested validation of debt via certified mail. 
Attached is the receipt for my own debt verification letter dated XX/XX/year>. 
My attorney communication is also attached. She also followed up via email Never received response back on any of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ROUND 1 ( Items for dispute ) Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Personal Info : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CO XXXX Name : XXXX XXXX XXXX Name : FANNY XXXX Former : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: DISCOVER BANK
State: SC

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS FRAUDULENT HARD INQUIRIES. THIS ARE FRAUD AND WAS NEVER AUTHORIZED

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter for inaccurate account and inquiries on my credit report.. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. This has really caused me a lot of stress and strain and I demand that these information and inquiries be deleted immediately or I will file for litigation. My information was also impacted by the data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX  XXXX XXXX/XXXX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief