vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. Citibank NA, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting 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 2023-11-29 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: FL

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize. On XXXX there is XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 and on TransUnion there is XXXX XXXXXX/XX/2023, XXXX XX/XX/2023. I have notified both agencies and nothing has been done about this.

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am requesting that SPS halt all foreclosure sales date because I want my wrongful foreclosure case to go to court. SPS and XXXX XXXX has refused to follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: KS

Complaint narrative:
I notified Merchant Adjustment Service of the identity theft and resulting debt in my name. MAS refused to address the issue and remove the debt from my credit report. I provided a copy of my identity documents and FTC Identity Theft Affidavit. MAS has still refused to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
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 Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested XXXX  and experian to make a full investigation on the bankruptcy they are reporting ( Reference number XXXX XXXX  XXXX ) and to tell me who's the source they are using to gather this information. These XXXX credit bureaus are the only ones reporting this information on my credit report. I have tried numerous times to get this information from them and they take forever to not give me this information and I believe that is because they don't want to remove this bankruptcy from my credit report if needed. At this point I feel discrimination against my person. This is mentally disturbing for these people to do whatever they want with people 's lives.

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 2023-11-29 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: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/23 a formal dispute letter was sent to equifax to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I got a credit report that owe {$120.00} for an insurance premium form XXXX XXXX. I never had XXXX and never owned them. I called to verify the information. I was told they cant do anything. i initially called the debt collectors and they told me to call XXXX. 

I called XXXX and they told me that i live at XXXX XXXX XXXX XXXX, XXXX, PA and i owe them and they cancel my insurance on XX/XX/XXXX and i failed to pay them the balance. 

I told them that that's not me and I don't owe them anything. they did not believe me and said there is nothing i can do. 
I decided to dispute the debt as it brought my credit down by XXXX points.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, 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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In XX/XX/2019, i was involved in a car accident. I was found not at fault. The car was a total loss being that all airbags deployed. The car is with credit acceptance. Myself and insurance have provided documents several times.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX, XXXX contacted by a credit reporting agency warning me that my credit rating was being adversely affected by carrying a large credit card balance. Contacted AmEx and discovered a balance of {$31.00}, XXXX had accumulated from XX/XX/XXXX to late XXXX, XXXX even after the customer service representative had removed all penalties, late fees, interest charges, finance charges, etc. Paid the account balance down to XXXX in early XXXX, XXXX. 
XXXX, XXXX contacted AmEx regarding the liquidation of my Reward Dollars ( RD ) account on XX/XX/XXXX without paying off any charges, and thus, without my consent. Bumped up several layers of management and finally informed of AmEx 's irresponsible approach to RD accounting and convenient, predatory RD policies. The AmEx manager promised to 1. ) investigate the res ipsa loquitur miscommunication that occurred via chat and phone on XX/XX/XXXX, XXXX. ) determine the approximate value of the XXXX account via a process of reverse engineering, and XXXX. ) remove all penalties, late fees, interest charges, finance charges, etc. during his investigation. Either the investigation was not performed, or the results were not communicated to me. Technically, if no investigation was performed, then the non-removal and further accumulation of penalties, etc. is explained. Unclear if this represents negligence, promise failure or both. 
XX/XX/XXXX e-mail from AmEx that " Uh-oh [ my ] XXXX has decreased. '' In the past, never cared too much about my credit rating. The few times I bothered to look it up was always in the high XXXX 's, but after the " Uh-oh '' e-mail decided to look up my XXXX score : XXXX! Why did AmEx send me an e-mail about my XXXX score on XX/XX/XXXX? I considered my AmEx account cancelled on XX/XX/XXXX and even AmEx considered the account closed on XX/XX/XXXX. Sending me a dramatic e-mail about my XXXX score on XX/XX/XXXX makes no sense. How much of the precipitous fall in my credit rating was due to AmEx mismanagement of the XXXX XXXX account ending in XXXX? 
Today ( XX/XX/XXXX ) contacted AmEx ( XXXX ) regarding the {$1.00} interest charged to my XXXX XXXX XXXX ( technically dead but remains a nightmare walking ) account. XXXX reassured me that the charge would be removed along with the threat of a $ XXXX XXXX 's Apprentice from XXXX late fee and the XXXX XXXX of 30 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
since XXXX since my XXXX XXXX XXXX ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX instead of my house after requesting it be mailed to my house 5x!!!! all late fees needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX We are in receipt of your attached letter that was forwarded to us from Bank of America. The partnership with Bank of America was dissolved and XXXX was assigned your merchant processing account in XXXX. Bank of America would have communicated in the spring of XXXX the changes and reassignment of your account. Please contact Bank of America to request a copy of the letter. 
I have attached copies of your XXXX and XX/XX/XXXX merchant statements at which time you can see the transition took place as your monthly statements changed from Bank of America to XXXX. 

I can not address the bank policies regarding large debits however I can explain the debits we made to your account. Please review your XXXX and XX/XX/XXXX statements, also attached. 
In XX/XX/XXXX your account received a chargeback stating the transaction of {$10000.00} was fraud/unauthorized. Please see the chargeback documentation attached. Per your account set up, chargebacks are emailed. There is no recourse through the card brands. If you believe this is a valid charge you would need to contact your customer/cardholder to resolve. I see no further chargebacks during this time frame. If you received additional chargebacks, please specify date, amount, and chargeback number if available.

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