vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 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 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 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2023-04-28 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: GA

Complaint narrative:
Inquiry accounts are showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This violates the Fair Credit Reporting Act Section 1681b and is a serious breach of my privacy rights.

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 2023-04-28 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: MD

Complaint narrative:
On XX/XX/XXXX, I received notification from Experian that XXXX XXXX has placed a collections account on my credit report, which I never received written notice at my address of the alleged debt, and it didnt have the original creditor listed. 

On this day, I filed a dispute with Experian stating that I have no knowledge of this account and I never received written notice of the alleged debt before being placed on my credit report, which wouldve allowed me to dispute it with company. 

On XX/XX/XXXX, I received notification from Experian that the investigation has been completed and the account dispute has been updated. 

On this day, I contact Experian via phone and spoke with XXXX, a representative. I stated that I am requesting a Method of Verification for my dispute with XXXX XXXX XXXX as the investigation was completed quickly and the account states the balance was updated on XX/XX/XXXX and I wasnt notified of the alleged debt by Experian until XX/XX/XXXX. Unfortunately, I was told Experian doesnt provide this information. 

Then I informed her that I have a right to request a method of verification requesting hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give consumers a method of verification within 15 days of the request. Failure to do so, is a violation of my consumer rights. 

Also, I noticed Experian has an address that is no longer my legal address and the representative refuse to make the necessary changes and put my current and legal address.

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 2023-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Contacted Truist about a change in insurance carrier. 
I was told at loan origination that after a year of on time payments I could apply to drop escrow for insurance and pay the insurance carrier directly. 
But now Truist told me that I am not allowed to pay the insurance carrier directly " because the Department of Veterans Affairs requires escrow on all loans. '' I have contacted the Department of Veterans Affairs at their XXXX XXXX national hotline and been told that this is entirely untruthful. 
However Truist also has refused to recalculate my escrow based on the new lower insurance premium. 
Truist has also refused to let me try asking a supervisor. 

I could easily address this myself directly with the insurance carrier, if only Truist would be more truthful in their lending and escrow practices.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 2023-04-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Barclay XXXXXXXX XXXX I do not recall making any late payments to this account. I also believe the FCRA XXXX allows me to remove collection older than 2 years, I have made several attempts to have Barclay XXXX XXXX correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2021 XXXX they frozen my account because the person who wired the money used the wrong name. TD bank refuses to release the remaining balance they said im not entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Wrote the company on numerous occasions asking them to investigate the account because that debt did not belong to me. company failed to respond or delete the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I attended a timeshare presentation with XXXX XXXX on XX/XX/2023. I ended up purchasing the timeshare but declined their offer for credit on 2 occasions - once during the initial pitch and again while signing the contract. On XX/XX/2023 I received a letter dated XX/XX/2023 from Comenity Capital Bank stating a credit account account has been opened in my name. I contact both XXXX XXXX and Comenity Bank regarding the fraudulent opening of this credit account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and EQUIFAX credit reports. My latest credit report shows XXXX credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Loan # XXXX for XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to Transunion credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on Transunion. The late payment information is below : Credit Alert Delinquent Account Reported By XXXX XXXX - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time XXXX has reported this late!!

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BMO Harris is refusing to release the lien more than 10 days after loan has been paid off ( acct # XXXX ). BMO Harris has made the process of paying of the loan extremely difficult, with policies that limit the options available to pay off the loan. On XX/XX/2023, I followed the payoff process ( provided by BMO ) and had my bank send a check for payment in full ( per the payoff ). On XX/XX/XXXX, I was informed that BMO returned the check to my bank ( with no explanation and no attempt to take payment ). I called BMO and was able to process a bank transfer ( for a higher amount ) that satisfied the loan. On XX/XX/XXXX, I received email confirmation from BMO that the account was paid and closed. I was then unable to access any online account information. It is now XX/XX/XXXX and I have not received my title. I called BMO and was told that they do not initiate a lien release until 17 business days after the loan is paid off. I informed the agent that that was not compliant with the PA ELT program, which requires the lien request be released electronically immediately upon payment. They said that they did not need to comply with PA law and that they only follow the bank policy. I would have to wait. BMO also refused to send me a letter showing the debt paid in full. This would allow me to get the title reprinted at the PA DMV ( for {$58.00} ). I spoke with the PA DMV and was told that without the released title or letter of payment, the bank was holding me XXXX ( their words ). The actions of BMO are unconscionable and place an undue burden on the consumer, after the loan has been paid in full.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
this account was trying make me pay wrong amount

Company response to consumer: Closed with explanation