vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing as a loyal XXXX XXXX customer of Bank of America to express my deep disappointment and concern regarding the handling of my adjustable-rate mortgage ( ARM ) account. 


When I took out this mortgage, it included a 5-year rate lock, which is set to expire this month. Anticipating the need for clarity on what would happen next, I made proactive efforts to contact both the mortgage helpline and my local branch to inquire about the rate adjustment process. On multiple occasions, I was assured that the rate could only increase by 2 % at a time. 


Following this, I received letters notifying me of the rate locks expiration and urging me to call for options. Once again, I called the provided number and spoke with an associate who confirmed the same information : that the rate increase would be capped at 2 %, and there was nothing further I needed to do. 


To my shock and dismay, when I reviewed my accounts online, I discovered that the rate had increased by over 4 % in a single adjustment. I immediately called the mortgage helpline again, only to be informed that the earlier information I received was incorrect. I was then told that the rate can indeed adjust by more than 2 % in the first year following the locks expiration and that nothing could be done to rectify the situation. 


This misinformation has left me in a difficult position. Had I been given accurate information, I would have already secured a new mortgage product to avoid such a significant and unexpected rate increase. Now, with only a few days until the new payment takes effect, I am scrambling to find an alternative.

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 2024-11-16 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: CA

Complaint narrative:
I received a hard credit score inquiry alert on my bank and at my credit karma and I have never called capital one and theyre telling me that on XX/XX/year> someone called in order to get or pull my credit score to make up an account that I never knew about or I have not approved of. Someone using the phone number XXXX called capital one and tried doing a fraudulent inquiry on my credit score. I called capital one and they said they can not do anything about it until I call on XXXX and they will be able to let me know when and where the person called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-11-16 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: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. Here are a FEW of the inaccurate payment history, making all the payment history inaccurate as it currently XXXX XXXX XXXX XXXX XXXX On time XXXX -60 days late XXXX - 90 days late XXXX, XXXX, XXXX-All listed as 90 days late XXXX XXXX 120 days late XXXX 120 days late XXXX- 120 days late XXXX 30days late I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).

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 2024-11-17 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:
According to IRS guidelines, an unpaid charge-off is considered taxable income. Furthermore, under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. The account in question was previously charged off by XXXX XXXX XXXXXXXX, as indicated by their records. The charged-off account is now listed under XXXX XXXX XXXX Upon reviewing my most recent credit report, it appears that this account is being reported as a charge-off despite having been sold to another lender. As the original debt was charged off and subsequently sold, this constitutes inaccurate reporting and may be viewed as a form of double reporting, which is prohibited under the FCRA. Please investigate this matter and ensure the information on my credit report is corrected accordingly.

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a Citibank checking account online in my own name. I transfered some money into the account from a joint account ( with my husband ). The fraud department called me and told me that they would freeze my account until I also add my husband on the Citibank account. I declined to do so, and they will not unfreeze my account or let me close it. I don't live near a branch, and can't go in-person to sort it out. There is {$170.00} in the account, stranded.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital One / XXXX XXXX XXXX XXXX XXXX : I was shocked when I reviewed my credit report and found late payment on XX/XX/year> for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
So I recently leased a vehicle with XXXX XXXX and wanted to possibly see if I had any positivity equity. So I contacted the company XXXX to help me through the process. I got in contact with them through phone call and messages. After a while we kept in contact for a couple days and as we went on, I noticed I received an inquiry from ally financial I immediately got in contact with XXXX and asked if it was from them and ask them why I wasnt notified or how the process works with them. I then immediately backed out form their services and asked them to remove the inquiry and one of their representatives told me, he couldnt do anything about it. I want this inquiry removed, I had no knowledge of nor approved of it. Also to add the fact that I opted out of the service before I proceeded to using them for my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On multiple occasions I have submitted a written request to Equifax, asking them to remove all inaccurate and outdated personal information on my credit report. In efforts to protect my privacy ; to prevent identity theft ; and avoid future financial harm. 

I have provided Equifax with all the necessary information, to prove my identity and to date I see that my credit report is still reflecting not only my current address but ALL of the previous addresses and inaccurate name variations and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX. I entered into a financing agreement that included all required disclosures under the Truth in Lending Act ( TILA ). Shortly thereafter, the dealership contacted me demanding an additional down payment of {$4500.00}, claiming the financing had fallen through, despite providing me with documentation indicating the financing was finalized. The dealership also demanded the return of the vehicle, threatening repossession within 48 hours. 

These actions are classic " yo-yo financing, '' where dealerships fraudulently induce consumers to accept new, unfavorable terms or lose their vehicles. Additionally, the dealership contacted my employer without my authorization to discuss my personal financial matters, violating my privacy rights. 

Federal Laws Violated : 1. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : The dealership failed to provide clear and accurate disclosures regarding financing terms and attempted to retroactively alter those terms.

2. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Unfair practices during the financing process may indicate discrimination or predatory lending practices.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : If the dealership accessed my credit report improperly to justify their demands, this is a clear FCRA violation.

4. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 : The dealership violated my privacy by disclosing financial details to my employer without consent.

5. Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5481 ( 15 ) ( A ) ( i ) : The dealership engaged in unfair, deceptive, or abusive acts or practices ( UDAAP ). 

The dealership 's unlawful conduct has caused financial harm, emotional distress, and significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
did not authorized inquiries included in this document

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 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: UT

Complaint narrative:
Contrary to the company 's reply containing multiple items of intentionally false information and failure to address issues 2 years ago, it became necessary to cease to do business with this company over 2 years ago due to their misrepresentation of their products which caused damage to credit profiles. Contrary to my notice to the close an account, stop accessing my credit profile, and stop contacting me on an/or after XX/XX/XXXX, this company has continued to : 1 ) Contact me with the most recent instance being today, XX/XX/XXXX ; 2 ) Not close the account - clearly, despite their claim in XXXX due to continued account activity ; and 3 ) continues to regularly access my credit profiles and send insecure alerts to me via email. 

I have tried numerous times by email and phone at significant cost of my time and emotional distress. The company refuses to stop accessing my credit profile in violation of state and federal laws. They refuse to fix, address the issues, or take any responsibility despite their ongoing harassment. The company either does not reply or sends nonsensical responses such as telling me to log into " my account '' -- the one they claim was closed in XXXX. Given the degree of harassment at this point, I am no longer certain this is not targeted harassment of me as a XXXX person given that there is no feasible justification or sense for the degree of harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
I filed a dispute about a charge on my card for XXXX cents I was told that I would get a new card and that I did not have to pay the amount. I got my bill and the amount is showing along with another fraudulent charge of XXXX which I have no idea who this charge of XXXX dollars is from so I filed a dispute on XX/XX/year>. 
My concern at this time is for the XXXX which I was told that someone called me and I refused to provide any information I never got a call and refused to give my name etc. I have the information if I had been asked I could and would have provided to them.

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 2024-11-16 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:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request under 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 personal credit card accounts opened at Bank XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX account number ( XXXX ), XXXXXXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account XXXX XXXX XXXX ), XXXX XXXX XXXX account XXXX XXXX XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ). These accounts have resulted in several Fraudulent accounts, inquiries and collections appearing on my consumer FICO credit report> I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activities related to the items cease under my rights. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 XXXX 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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed. 
XXXX Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8700.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries to Block and Delete : XXXXXXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : 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 2024-11-16 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX  Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/2017 Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

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 2024-11-16 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
not authorized inquiries on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
{$2.00} for XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX. 
This amount is a fraud charge and the credit card was closed and the creditor is still investigating and dispute fraud charge will get a report only on XX/XX/year>. However the EXPERIAN credit bureau brought my credit score from XXXX to XXXX because they saying I missed payments on this amount more than 60 day. Actually the creditor tried to take this amount from my bank ( XXXX XXXXXXXX ) however bank denied due to the small amount thinking is fraudulent. However I tried my other bank chase and they paid and now have XXXX balance. At the same time the creditor saying I don't need to pay ( {$2.00} ) until the disputed fraudulent charge. However Experian brought down my credit score from XXXX to XXXX? They have no right to do until the dispute is complete. Is this is a punishment for customers have an excellent credit score for the disputed amount {$2.00}? to reduce XXXX points on XXXX like 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