vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
These companies are selling my personal information to other companies without my consent and placing numerouscredit inquires which are ruining my credit score. I have not put in applications with these companies for credit. They are going in my credit report in attempt to solicit me for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
- **Section 611 ( 15 U.S.C. 1681i ) ** : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information.

- **Section 605A ( 15 U.S.C. 1681c-1 ) ** : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit.

I request that you : 1. Investigate the fraudulent and inaccurate items listed above.

2. Remove these items from my credit report within 30 days.

3. Provide me with a corrected copy of my credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Refrigerator needed to be replaced in XX/XX/year>. Of course, this was a surprise for which I was not prepared. Went to the appliance store to see what the cost would be and the best way to pay for it. They did have an offer thought XXXX ( they call themselves TD Retail Card Service ), 12 months of no interest, that works, will be paying off in a couple of months, it was paid off in XXXX. 

But that is not what they were selling, was surprised to learn it was just a credit card. If I had known that I would have never opened an account. This is where the fun begins, made the first payment it was late. My banks Bill Pay did not have XXXX in their records, so they sent a paper check, which of course was late, and they charged me for that for one. So then comes month two and they wanted payment by the XXXX of the month. Did not know that either, so they charged me {$40.00} for a late/no payment. So I had to call XXXX to see want was going on, this is when it came to me that this is just a credit card and cancelled card immediately. When speaking to the customer service person I told him this is just a credit card and he told me that they were not a credit card. They act like a credit card, walks like a duck acts like a duck. Also, I went to a TD Bank, which is just down the street from me to see if they could help get this straighten out, they had no clue about this service and who they were, they also did a look up on their system with my information with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>. I was able to get my personal property out of the vehicle on XX/XX/year>. I called Ally ( bank ) on XX/XX/year>. I asked what payment was required to retrieve the vehicle and was told the amount wasn't ready yet. The days I have to get my vehicle back are already counting even though I haven't been given a payment amount yet. I asked if I could get a copy of the original contract and proof of notice of repossession and was told it was mailed and they can not provide proof of it being mailed or provide me proof of the original contract. I am in the final year of paying off my vehicle and having no car payment. Unfortunately fell behind and I am contacting the CFPB to make sure I am treated fairly as a consumer based on the the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.

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 2024-08-03 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: CA

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for their refusal to remove inaccurate information from my credit report, despite my numerous attempts to resolve the matter. I have provided sufficient evidence, including a report from the Federal Trade Commission ( FTC ), substantiating that the disputed items are incorrect. However, TransUnion has consistently ignored my rights under the Fair Credit Reporting Act ( FCRA ). As this negligence persists, I am left with no choice but to consider taking legal action to enforce my rights and seek redress for the harm caused by these inaccuracies.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX charge for {$17.00} - credit card alerted me via text and I confirmed fraud On XX/XX/XXXX {$290.00} and {$29.00} same vendor ( XXXX XXXX ) alerted fraud, requested new card On XX/XX/XXXX {$290.00} and {$2900.00} XXXX XXXX ( XXXX XXXX  ) called was told auto payment from this fraudulent vendor now hitting my new card. Requested all auto payment stop On XX/XX/XXXX same vendor {$290.00} and {$2900.00} charged On XX/XX/XXXX same vendor {$290.00} called to request- again a stop to this nonsense, and requested new card was told the original stop to reoccurring payments on my card was not done correctly, and now it was ( this is now card # XXXX ) On XX/XX/XXXX same vendor {$44.00} on XX/XX/XXXX same vendor {$290.00} Called on XX/XX/XXXX clearly nothing helpful is coming out of the credit card fraud department and I now think this is a clear failure of their fiduciary duty to me for protection against this XXXX. Demanded to speak to a manager- only was provided first name of XXXX and she told me both previews time to stop reoccurring charges were done wrong, but she knows how to do and would fix. Also advised me of the {$44.00} and told me would reverse this charge. 

AT NO TIME during any of the 6 plus calls did anyone advise to dispute in writing. on XXXX received monthly statement with balance due. I have not made a charge on this credit card since XX/XX/XXXX. I can not contact customer service as I don't know what new account # this falls under as it keeps changing ( we are now under card # XXXX ) on XXXX also mailed letter to formally dispute all of these charges- under the 60 days the very small writing on the back of my statement provided. 

Any assistance to help force these people to take responsibly in permitting my card to be used over and over again, fraudulently, with their knowledge is going to be me with my many thanks.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXX my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It should be noted that I am XXXX, XXXX, XXXX  citizen. 

On XX/XX/year>, I went to my former Bank of America ( BofA ) branch located at XXXX XXXX XXXX XXXX, in XXXX XXXX. I wished to establish new bank relationship with BofA. I spoke with XXXX XXXX XXXX ( XXXX XXXX ), Senior Banker, who immediately recognized me as a loyal and respected former customer for more than 20 years. In fact, she greeted me and agreed that in her XXXX years of banking at the branch I have never been involved in any hostile acts and was a model customer. In fact, the branch manager XXXX also knew me as a model customer. In fact, all the employees at the XXXX branch knew me as a model customer. In fact, everyone is aware that I am XXXX, XXXX, XXXX  citizen. 

I informed XXXX XXXX that I wished to re-open my accounts. She welcomed me back and agreed to do so, but needed to make a phone call. She spoke with someone and was told that I was denied opening my accounts. XXXX XXXX informed me that the person she spoke with refused to explain the reason. 

I wish to know the full details/facts of the reason for denying opening accounts at BofA. 

For the record, there is no evidence to support any acts of abuse or any hostile acts by me to any BofA employee, nor is there any evidence that supports this and wish to be provide with evidence to support this. If BofA can not provide beyond a reason doubt a strong reason and evidence to support their denial, then this supports denying me opening an account due to race, age and XXXX. 

It should be noted that I have a mortage with BofA and XXXX lines of credit cards. I have never been delinquent in payments and have a strong financial background with no negative credit history with BofA or anyone. 

It should be noted that BofA employees at the XXXX branch supported my request to re-open my accounts. 

BofA motto is " What would you like the power to do? '' The power to allow me the respect and dignity to re-open my accounts and give every human being a second chance.

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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
Periodically I would receive past due notices when he missed a payment and I asked him about it sine the notices had his company name. He claimed he had no idea how my name was attached to his loan and promised to correct it. Months later I received a letter again from the loan agency demanding I pay {$53000.00} to pay off the loan, I decided to request what information they had and they sent a document that showed my signature which was copied twice ( exactly the sane way ). The loan agency doesn't have my social security number but the do have my name and address. I contacted them before it went into collections and they tried to get my social security number of which I refused to provide it. Now that it is in collections they provided more information but it is obvious that my signature was copied. I have known XXXX XXXX for over XXXX  years and now I have no idea if he is alive or dead as he will not contact me. His company name was XXXX XXXX XXXX and I did some contract work for him years ago but was never an officer of his company. I am afraid the lender will step up their process to collect from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: TX

Complaint narrative:
I looked at my credit report from all XXXX credit bureaus and there were several inaccuracies. These inaccurate remarks are placing a very negative hold over my life and I just want my life back. I disputed with all XXXX and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, associated with XXXX XXXX, is reported inaccurately and in violation 's of multiple sections of the FCRA. Please review the following details and take immediate action to correct these errors. 

Account Information Creditor : XXXX XXXX  Account Number : XXXX Reported to : XXXX, Equifax Inaccuracies and Violations Violation of 15 U.S.C. 1681i ( 7 ) - Method of Verification The account was reported without valid evidence of the alleged debt. I demand verification of the method used to validate this account 's information. The lack of sufficient evidence necessitates the removal of this account from my credit report.

Violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) - Accuracy of Report The reporting of this account fails to meet the standard of accuracy mandated by law. The information provided is not 100 % accurate, as evidenced by the inconsistencies in payment history and account status. For example, there are discrepancies in the date last active, date of last payment, and the payment history across different reporting agencies Unauthorized/Erroneous Account due to Equifax Data Breach This account may have been erroneously reported as a result of the Equifax data breach. It is imperative to ensure that the reported information is accurate and not the result of unauthorized access or data manipulation.

Violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report Any credit transaction involving the use of a social security card is to be excluded from consumer credit reports. Please confirm whether a social security card was used in this transaction and remove the account if it falls under this exclusion category.

Payment History Discrepancies The payment history reported is inconsistent, with conflicting information on payments and dates last active. Notably, the two-year payment history is not accurately reflected, with unclear or missing data for multiple months Request for Action In accordance with the FCRA, I request the following actions be taken within the legally required timeframe : Immediate Investigation into the accuracy of the information reported. 
Deletion of all inaccurate and unverifiable information related to the XXXX XXXX account. 
Written Confirmation of the results of your investigation and any actions taken. 
Please consider this a formal complaint and investigation request. I expect prompt action and compliance with the relevant federal laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, I had a mortgage with XXXX XXXX XXXX my mortgage company sold my mortgage to Mr Cooper effective XX/XX/XXXX, I have been paying my mortgage on time and have never been late and was told nothing on my mortgage changes, hence I started paying Mr. Cooper. In XX/XX/XXXX I had a fire in my house so I have not been living there since. In XXXX I went to do a wellness check, I noticed a retaining wall in front of my house was damaged by a few recent storms we had so I proceeded to call the insurance company XXXX who is currently handling the fire claim and was my insurance company. They stated my insurance lapsed XX/XX/XXXX of XXXX due to non payment. As stated I have been paying my mortgage on time and the money for insurance and taxes are escrowed. My new Mortgage company Mr. Cooper never paid my insurance company to renew my insurance. I called Mr cooper and they stated I have to call XXXX insurance, which I didnt understand, however figured along with mortgage companies my insurance company changed as well maybe. XXXX is XXXX XXXX which was in Mr. Coopers system. XXXX told me my insurance lapsed in XXXX of XXXX. Mr Cooper didnt even know XXXX was my insurance company and the wrong information in their system. I then contacted my insurance agent XXXX XXXX and asked him what to do next and he spoke with still water, still water stated for insurance company to overnight the premium payment and theyll underwrite the same policy. However XXXX later rejected the insurance policy. Now I cant find any comparable policy for less than 400 % my previous policy. Currently I dont have homeowners insurance and Mr cooper is saying if I dont get coverage theyll find it for me at XXXX XXXX XXXX XXXX. Please help! Not fair.

Company response to consumer: Closed with explanation