vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Hi Team, My account was suspended by HSBC US, and they dont give me any reason for this activity. Just told me for security reasons, but i am 100 % sure there are no suspicious activities with my account and even no spending any money so far only ACH with my stock account with few money. 

I didnt see as a global bank with good service and qualities for their customers! 

I need get my account back and also i need detailed information, its totally XXXX with XXXX customers i can not accept. 

Many thx for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed an account with Transunion for XXXX XXXX XXXX and they failed to enter the notice of dispute within 30 days.

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 2023-10-26 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-26 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: MD

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-26 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: VA

Complaint narrative:
Months and Dates of Dispute letters are attached to this complaint. Have been trying over the years to remove inaccurate information from my report. Have also asked for a re-investigation for all of the disputes and still have not received the proper information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TN

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive address multiple times. looking at all the data submitted all data is reporting illegally an fraudulent to my credit report. pleas review an remove the listed items to help clear my credit report asap.

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 2023-10-26 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: FL

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not approve.

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 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I received XXXX undisputed insurance checks to repair my kitchen and my roof. The check to repair for the kitchen was {$12000.00} and the roof check was for {$11000.00}. After several back and forth, I was told the kitchen check release has been approved on XX/XX/XXXX and a check written ; however, they will not send out for another XXXX to 10 days (??? ). The roof check will be monitored because at the time of loss, XX/XX/XXXX, my mortgage was behind. Please note, the mortgage was caught up by XXXX Assistance program in XX/XX/XXXX. The problem is the insurance company sent out a partial payment for the roof which is estimated at {$27000.00} to begin the work to re-roof. The insurance company gave us money to begin the repairs, now the mortgage company also want to monitor and give us one-fourth of the {$11000.00} check and hold the rest until the XXXX completes 95 % of the job. Hence, they will not start the job with a {$2900.00} check. I understand the mortgage company wanting to monitor repairs but to cause double jeopardy and hold part of a partial insurance payment is inconceivable. Keep in mind, the mortgage company 's threshold of {$40000.00} before monitoring. At this point I feel like they are doing this because I am XXXX and poor. XXXX is good and they will not take my property. They didn't last time and they will never. So, to treat us different because of late payment is wrong. XXXX thing has nothing to do with the other. I pay my private insurance through my escrow not Fay Servicing. I have also submitted the XXXX estimate and the lien waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received the same information frmo Wells Fargo Auto Finance, they are still trying to use the False 'Loan Application ', which is not my signature on this. I don`t have a copy of it either. It took XXXX XXXX XXXX a full month to get the sales paperwork to me. 

Once I looked at it, I filed a lawsuit against them. That didn`t work out as planned, but at this point, with Wells Fargo Auto Finance sending me the same false information over and over, I now have to seek an attorney. I can get one for free as I`m XXXX. Wells Fago Auto Finance has called me numerous times, I refuse to speak to them as they attempt to initiate an argument with me each time I`ve tried to speak to them. 

Wels Fargo Auto Finance needs to call XXXX XXXX XXXX to get the proper information. The Loan Application I saw at the sale had false income information on it, so I refused to sign it. Wells Fargo Auto Finance keeps sending me this ridiculous Loan Application page with a signature that is not mine. 

At this point, I will have to seek an attorney to help remedy this fraudulent loan. Also 3 to 6 months of past bank statement are required in order to issue out a loan of this magnitude. I will be calling attorneys at this point as I`m getting nowhere with Wells Fargo Auto Finance .

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 2023-10-26 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 the company Avant, responded to my initial claim dropping all of the charges, late fees and penalties that was on my account considering I had never ever received the credit card and never had access to the account. However on XX/XX/2023 ( today ) I received an alert through my capital one account that there was a change on my credit report. On XX/XX/2023, 22 days after Avant cleared the charges from my account, the account was AGAIN reported as delinquent despite there being no balance on the account following the conclusion of the fraud investigation the CFPB conducted. I am beyond enraged, this is absolutely disgusting and despicable customer service. What is their excuse now? In their response letter they claimed they didnt cause any defamation to my credit and that there was no back and forth between myself and their agents. But the last time I spoke to a supervisor at Avant they promised me they would report to all the credit agencies that the account had been closed due to fraud and that every single charge on that account including the delinquencies were completely false. That is a verbally binding agreement which they have a recording off but refuse to provide me with. However they are continuing to tarnish my credit and my livelihood as a young person actively trying to restore their credit. I have been working to repair my credit for years and the amount of damage they have done over the last 6 months is absolutely absurd. I am begging and pleading to you as the CFPB to please help me with this, to put an end to this XXXX that I have been enduring. Theyre literally destroying any chance I will have of having good consumer credit for whichever purpose I choose to use it for. They are violating my rights as a consumer as well as harassing me with these frivolous claims. Please put an end to this, I have exhausted all of my resources battling this. I have had credit card companies revoke my credit cards which were in GREAT standing due to this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: GA

Complaint narrative:
When I realized I was unable to use my card I called NetSpend customer service line ( twice ). I spoke with a woman by the name of XXXX. She asked me some security questions about my account. For example how much was my last three uploads and the year I received the card ending in XXXX. I answered these questions to the best of my ability. Most of my answers were accurate. I feel that with the information I was able to give should have been enough information for her to realize I am who I say I am. I have 3 other prepaid card so yes, I may not remember what year I received the card ending in XXXX ( one of the security questions ). I was able to give reload locations and amounts of at least the last 2 or 3 places. I also was able to name whom I paid money to when using my card. I really need my money and I don't even have an idea why my card is locked in the first place!

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 2023-10-26 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: MD

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: TN

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. checking my credit report ive noticed all data listed is reporting illegal information an fraudulent information that is causing alot of damage to my credit report. action needs to be taken an please review an remove the listed items on my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citi credit card was closed on XX/XX/XXXX. The reason given was returned or late payments. 

I had my old XXXX XXXX XXXX account still set as my auto pay account on accident. I had been making all my manually payments via my XXXX XXXX account on time for the last few months. 

When XXXX XXXX XXXX was taken, it attempted to pull from my old account and the payment was returned. I immediately fixed this issue by deleting the XXXX account and made the required payment via my XXXX XXXX account. 

However, Citi refused to re-open my account. 

While I made the mistake for leaving my old bank account on file, I dont think its necessary to close my credit card due to this mistake. I have payed everything on time since I became a customer. I rely on this credit card for critical monthly purchases.

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 2023-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: ME

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Got scammed out of {$400.00} through XXXX through capital one. Capital one wont help refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MD

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
During XXXX on 2023, Mr. Cooper purchased my mortgage from XXXX XXXX. I was in the process of removing PMI with XXXX, and continued the process with Mr. Cooper. 

The XXXX came to my house, did an interior/exterior appraisal, and then asked what amount I needed to remove PMI. I told the XXXX a number and they smiled and said " oh that won't be an issue ''. 

On XX/XX/XXXX, I received a form letter with the notice of appraisal and denial of my request to remove PMI. The appraisal was artificially low, did not include a number of upgrades that had been completed, and including comparisons that did not match the neighborhood and traits of the home in question. 

After speaking with Mr. Cooper on XX/XX/XXXX, I was told to appeal to XXXX. 

On XX/XX/XXXX, I sent my appeal to XXXX. 

I had no response for XXXX weeks. On XX/XX/XXXX, I called Mr. Cooper. They advised that no movement had occurred on my appeal, and to wait. 

On XX/XX/XXXX, I called Mr. Cooper. They advised that there was again no movement on my appeal, and to wait. 

Through social media, I received contact from Mr. Cooper. They advised my appeal would be reviewed. 

On XX/XX/XXXX, I received the same form denial letter I had received more than 2 months prior. I called Mr. Cooper ( whose phone tree is impossible to get a person on ) and was advised that they did not consider the mistakes or errors on the appraisal I submitted. They told me I could again appeal, that it would not likely change any outcome. 

Mr. Cooper intentionally designs their phone tree to discourage individuals from reaching a human. In more than 2 months of waiting, there was no movement on my case. It was only through my repeated efforts that I received any communication from Mr. Cooper. 

I do not know why they did not consider any information I provided, I do not know why they did not communicate with me about my appeal, I do now know how they arrived at the decision they did, and now they have charged me {$450.00} for an appraisal that is deficient, and have not communicated at all. 

I would never engage with Mr. Cooper if I had the chance again, and everything about them feels predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: OR

Complaint narrative:
XXXX XXXX. 
Experian is very quick to report negatives on my account. When looking at my balances I've found they fail to recheck on accounts. Yet my score is being dropped XXXX points. Only XXXX points increase today as most of my balances are lower then the debt shown on the 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 2023-10-26 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:
Upon me viewing my credit report I discovered some derogatory 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