vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/ Please remove it 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed several CFPB complaints and disputed an account/tradeline with Experian. Experian has returned with the conclusion that the account I am disputing does not exist on my credit report ( see p. 45 ). The accounts can be matched by the account/tradeline as reported and the amount allegedly CO ( see p.1 and p. 32 ). The account was wrongfully charged-off due to the misapplication of payment ( s ) and this can be seen in the attached documentation, especially on p. 23 - 34. The last payment amount reports as accurate, but was misapplied to another account, thus causing charge from balance to loss ( see p. 33 and 34 ). Creditor explains when an account is CO the account number changes because the account is moved to a separate system ( p. 36 of attached docs ). The account was wrongfully charged-off due to no fault of my own. Althouh the creditor stopped the erroneuous payment status ( CO ) annotations from reporting after XX/XX/XXXX, they did not correct the history from XX/XX/XXXX through XX/XX/XXXX. Even if the CO annotations as reported are " technically '' accurate, it is misleading because it leads potential lenders ( and lanlords ) to believe I was the cause of the CO to occur -- I was not. The case law in my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). It has done just that as I have been denied housing based upon this information being present in my Experian credit file. Yet, Experian claims the account does not report. This account/tradeline needs to be removed promply, otherwise Experian can expect to be sued in Federal court.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This dealership XXXX Hyundai ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase onXX/XX/XXXX, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from Hyundai Motor Financing and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent a letter to Experian on XX/XX/, to correct the personal information reporting on my credit report. I included the correct information as well as a copy of my driver 's license, social security card, and bank statement, all showing my correct information. I did not receive a response from Experian. I followed up on XX/XX/, adding some accounts that I believed to be reporting incorrect information. I received an e-mail from Experian on or around XX/XX/XXXX stating that they do not believe the letters came from me and they will not process my request ( s ). I have been doing research on how to submit disputes to the credit bureaus, and I followed all the procedures as required. There is no valid reason for Experian to reject my request ( s ) because I gave them proof of my identity. I am including copies of the letters I sent them with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello My name is XXXX XXXX and I had applied for a XXXX XXXX  Checking Package back in XX/XX/2022 with U.S. Bank. The terms of the offer were that I to receive a {$400.00} bonus once I completed qualifying activities. My application was successfully processed and approved, and I completed all qualifying activities. I had even reached out directly to US bank and received a confirmation from a U.S. Bank employee/representative that I had fulfilled my requirements and would receive my bonus shortly. 

Months later after not receiving my bonus I reached out again. The rep then informed me that they claimed that the code that I used during my application had expired and did not work - " XXXX ''. I'm not even sure if that was the code that I used as it was auto generated through a promotional link that US bank provided me, but this was the first time I had heard of this error or difficulty, being almost half a year from my initial application, leading to great frustration. 

By withholding this information from me, U.S. bank is being intentionally misleading with their advertisements and offer terms in their promotions. Their reps had not informed me of this until after more than 6 months since my application and I completed their promotional terms. After much back and forth, I got another U.S. bank rep to call me and ask if I had any other valid promo codes. I provided her with " XXXX '' which would have been valid during the time and I have since not heard back from U.S. Bank. 

It has been almost 9 months since my application and I am extremely frustrated from what I interpret to be intentionally deceptive and misleading practices from U.S. Bank.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act XXXX  account # 's 1.XXXX XXXX Acct # XXXX 2.XXXX XXXX Acct # XXXX 3.XXXX XXXX XXXX  Acct # XXXX 4.XXXX  XXXX XXXX XXXX Acct # XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation XXXX XXXX and Trans Union failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business

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 2023-07-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am an XXXX XXXX XXXX man and on XX/XX/XXXX, a M & T bank customer service representative named XXXX XXXX asked me if I knew what a CD was, I answered " Yeah like XXXX XXXX and XXXX? '' She said no, but stated that she noticed I had a lot of money in my account. She asked if I wanted to move {$1000.00} each to two ( 2 ) CDs, but she didn't explain enough for me to understand what was going on. On XX/XX/XXXX, I received paperwork showing that {$20000.00} was moved out of my account. When I went into the bank to complain I was informed that it would cost me {$500.00} to cancel the CDs and get my money back. After more complaining they decided to waive {$250.00} on one CD. I believe this whole thing was under-handed. This entire situation was not right and I want all of my money back!

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX  XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$420.00}, ( XXXX ) XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with XXXX, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. XXXX 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, XXXX has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification. 

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports. 

XXXX 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
A hurricane occurred in XXXX. We received funds from the flood insurance a couple of months later. We have been fighting and struggling with the service of our Cross Country mortgage ever since then to get payments on time. We have been living in utter chaos. Finally our contractor agreed to do some work for the sake of our safety but despite all the reports and inspections, the service will not release our money to us, and now the contractor is threatening to sue because it has been so long. The servicers communication is insufficient, terse, and never contains the information we need. They don't always respond to emails and if they do it's days between communications and they won't just pick up the phone and call us. I don't know what to do. I've tried everything. That money is mine and I'm living in chaos

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( XXXX ) XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( XXXX ) XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with Experian and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I have contacted XXXX to get their input on a balance due to XXXX XXXX for XXXX XXXX. The pre-qual indicated that the procedure was completely approved except for {$32.00}. The day of XXXX I paid the {$32.00} by credit card since they do not accept checks ( even though their website says they do ). This was in XX/XX/2021. In XXXX in 2021 suddenly I still have a balance due of {$2800.00}. 

As I am working to resolve this I find that this debt has since been sent to 2 different collection agencies- see attached documents. It has been submitted to Choice Recovery , Inc. and to Wakefield & Associates. As you can see it's the same debt reported twice ( not a matter of one company buying the debt from another ) - it's clearly open with 2 different agencies at the same time. It appears double posted on my credit reports as well. I believe this to be a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation