vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO/Harris bank claims to have sent a right to cure letter that I never received. They didnt email me or send it registered mail. I made a payment in XXXX of 2023 that was XXXX of my monthly amount & then a full payment the next 4 months. They claim I was 105 days delinquent & a sent the right to cure on XX/XX/XXXX. Due by XX/XX/XXXX. Claiming there is no XXXX payment but visible on my payment history. Im very frustrated with this situation & have been on the phone trying to get information daily since the repossesion occured on XXXX XXXX  XX/XX/XXXX. I just received a pay-off amount on XX/XX/XXXX. I only have until the XX/XX/XXXX. To work on getting a loan to buy back. Not very much time. Most of the 21 days I had have been spent trying to get the necessary information from them. Their customer servive departments are all outsourced & there are no branches in the state off Texas. It has been a nightmare trying to communicate with them. PLEASE let me know if there is anything you can do to help! Thank you in advance.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX  the opportunity to make this matter right by way of the following ; Transunion has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them XXXX  and XXXX has removed the information, TransUnion is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : 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 XXXXREMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,

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 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually that belongs to me XXXX XXXX BRIDGE CREST Credit company amount {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Rocket Mortgage holds escrow funds for our homeowner 's insurance policy described above. Request for payment was made from XXXX in XX/XX/XXXX, with a follow up XXXX XXXX, with the renewal deadline of XX/XX/XXXX. Rocket Mortgage sent the payment to XXXX late, by check in the mail, on XX/XX/XXXX, which has led to cancelation of the policy due to non-payment. Rocket Mortgage also did not pay on time the previous year ( XXXX ), which led to cancelation and reinstatement after I called to sort out the issue ( with Progressive ) I contacted XXXX ( XXXX XXXX is the provider ) and they reiterated that cancellation was due to non-payment and that reinstatement would require photos of all four sides of the home. I sent photos, of which only two marginally showed the roof. The underwriting team responded by saying there was missing or buckling shingles, and they could not reinstate the policy. I argued that no shingles were missing, and I could provide additional photos illustrating the roofs condition. They were not receptive and indicated to get a new quote for a new policy. I went through the process and no policies were available due to the cancelation, even with the local XXXX  agent who check multiple markets. This has left me without an active homeowners insurance policy due to lender nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2024-10-31 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This alleged debt is like over XXXX dollars that has been owed since XX/XX/year> they said. I told them I did not get a card from them and as well this happened more than 10 years ago. Somehow they obtained my recently new phone number that I still do not know how I just got the phone 10 days ago. Anyway they have called and I am not paying anything I did not do and do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: VA

Complaint narrative:
I accidentally locked my account because I couldnt remember my XXXX. I had called in 3 weeks ago and they asked for a copy of my ID front and back. They continue to deny my id with different excuses of why they cant take it. I have sent it in 4-5 times now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.

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 2024-10-31 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: MI

Complaint narrative:
After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to use my Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The charges kept getting declined for fraud. I've spoken with the card issuer to remove the fraud alert, they said they have removed it and that charges are not being declined, yet the card continues to get declined through any method I've attempted to pay merchants in XXXX - XXXX, Western Union and XXXX XXXX. When I spoke with Western Union they said the card was being deiced by Capital One due to a potential fraud alert. Two months ago I had to call three times and spent an hour trying on the phone with Capital One trying to pay a hotel. Now I've have contact them six times over the past three days and have spent over two hours on the phone with them trying to pay XXXX XXXX XXXX XXXX XXXX XXXX This morning after waiting on hold over XXXXen minutes, then speaking with an initial customer service agent and then being put on hold an additional ten minutes, I was transferred to an account specialist who told me their system was going through an update ( at XXXX ET on a Saturday ) and they would not be able to assist me for three hours and to call back. I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: WA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report as I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and under 15 U.S.C. 1681c-2 ( a ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit report. 
The fraudulent accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Kohls sent me a letter informing me my account was now transferred to Capital one with no changes, etc. 

However, twice ive had to put in my phone number for KOHLS to give me my Kohls cash- this is inconvenient. I will not be putting my phone number or ss # in a public location and did NOT have to do this with my KOHLS card. 

Im thinking class action as now kohls has pawned off their credit section of their business and we the consumers are jumping through extra hoops for our rewards...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I had in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complain on the following date ; XX/XX/year>. I am now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action.

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 2024-10-31 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I had in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complain on the following date ; XX/XX/year>. I am now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am refilling the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BlueChip Financial
State: CA

Complaint narrative:
On XXXXXXXX XXXX, I was desperate to obtain a loan that would enable me to meet my bank overdraft and cost of living. I was immediately contacted by Spotloan and offered {$800.00} which I accepted and e-signed for and gave them my banking information. Then I received online their massive terms requiring me payback loan XXXX over a XXXX month period with 600 % interest. They are headquarter on XXXX ReXXXX I immediate called them back, told them I could not accept the loan, refused to sign the agreement but they said they were going to send it anyway to my XXXX Bank Account the next day XXXX XXXX. I asked my bank to not accept loan but because I was overdrawn they claimed they had to accept loan anyway. I do not want this predatory loan but dont know how to stop them from taking {$3200.00} over a 9 month period for a {$800.00} loan. 

Spotloan XXXX XXXX XXXX XXXX ND XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX, XXXX and Equifax stated i have a bankruptcy on my credit report and they said they verified my information through lexisnexus but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IN

Complaint narrative:
Experian, XXXX and XXXX stated i have a bankruptcy on my credit report and they said they verified my information through XXXX but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed 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 explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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