vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX  non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: IL

Complaint narrative:
The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.

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 2023-06-27 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: IL

Complaint narrative:
The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.

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 2023-06-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX, JPMCB CARD / XXXX, JPMCB CARD XXXX - Date opened XX/XX/XXXX, JPMCB CARD XXXX - Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XXXX XXXX XXXX NORDSTROM/TD BANK USA / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IL

Complaint narrative:
XXXX has stated that I and/or my wife XXXX XXXX owes {$1400.00} from past due tuition for our child attending daycare. This amount is wrong as there was a huge computer issue that overcharged our account by XXXX and this amount that National Recovery saying we owe is the remaining balance that was never issued by XXXX back to us! 

The statement records will show the large overpayment and the issues in returning our funds. This was a huge mess and we have tried to resolve this with XXXX however no one was able to help and we refuse to double pay! 

This debt should be removed from my wife name ( XXXX XXXX ) and should be a XXXX balance based on the fact this was already paid.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a 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 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1. A check for the XX/XX/2023 {$1100.00} mortgage payment was cashed on XX/XX/2023, by Webster Bank. This payment reflected the exact payment on my Webster Bank Statement dated XX/XX/2023 ( see attached copies I have provided ). Webster failed to apply my payment, showing a default on my loan. 
2. On XX/XX/2023, I received a second statement for the XX/XX/2023 payment, dated XX/XX/2023 for {$1600.00}. My yearly escrow analysis was printed on the back of that statement and the new payment reflected the escrow analysis done days before my mortgage due date. 
3. On XX/XX/2023, I spoke with XXXX in the escrow department and the department manager. XXXX could not offer any resolution other than to look back at my deferral agreement and send a complaint to XXXX. Moreover, XXXX confirmed that an increase in my escrow payment should occur at least 30 days in advance after an escrow analysis is complete. Again, this was completed only 5 days before the XX/XX/XXXX payment was due. 
4. Webster cashed a check for the XX/XX/2023 mortgage payment for the stated amount of {$1600.00} on XX/XX/2023. On XX/XX/2023, I received a late payment notice for XXXX and XXXX. 
XXXX. After reviewing my deferral agreement dated XX/XX/2023, I found nothing regarding an escrow account, simply XXXX XXXX XXXX 

The customer assistance I have received has been incredibly disappointing from this bank. I get conflicting answers from different people and the letters I have received from the bank do not give me a reference person to speak to, so when I call, I need to explain what the letter says ; but ironically they don't know who sent it. There should always be a contact person to speak to and not just a department. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO harris Credit Card has a promotion where if you purchase " XXXX XXXX '' with their card, you get 5 % cash back. 


I purchased this product on XX/XX/XXXX using the promoted BMO harris credit card for {$140.00} - and I assumed I would receive {$7.00} in rewards points. 


However, XXXX XXXX changed their name to " XXXX '' on XX/XX/XXXX. as a result of the credit card billing event not coming from " XXXX '', I did not receive the 5 % rewards. 


I contacted BMO harris on XX/XX/23 to explain this, and they said that it is the responsibility of XXXX ' to honor this promotion. 


I then used BMO 's online portal on XX/XX/XXXX to write my complaint and they instructed me on XX/XX/XXXX to call their call center again. I then wrote to them again on the XXXX and they replied on the XXXX with the same comment. 


on XX/XX/XXXX I called BMO again and the representative said that they can't control what XXXX choose to name themselves for billing. They suggested that I contact XXXX XXXX support and inform them that they need to change their billing codes with BMO - I do not think this is a fair position to put the consumer in, I am only trying to get the benefit that was marketed to me. 


BMO is still running the promotion that if you purchase " XXXX '' you will get 5 % in reward points. BMO is offering a benefit that can not be redeemed due to technicality, and they are relying on an outdated colloquialism ( XXXX XXXX XXXX ) to market their product without providing the reward. I do understand that the Bank likely is coded to look for the name " XXXX '' and not " XXXX '' but this is an issue that they need to fix internally and should not be the customer 's responsibility.

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 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX INC. 
c/o Equifax Information Services , LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Georgia, USA Dear EQUIFAX INC. , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Simply put they are falsifying my statements. They have altered it completely since I made my last complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-27 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-27 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: OH

Complaint narrative:
My son was in a XXXX XXXX in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX XXXX XXXX showing where they paid this claim. It should have never been placed on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
i received an advertisement for purchases at 0 % interest via my personal email in XXXX of this year, XXXX, on my Existing c.card, ending in XXXX. 
subsequently i made a {$12000.00} purchase on that card. 
however, much to my surprise i discovered last month that us bank is and has been charge me 26 % interest on that purchase. that amounts to approximately $ XXXX in interest. 
i contacted us bank but they have stated that the 0 % interest was only on a New c. card. however the ad states differently. it states i can use it on my card ending in XXXX, which is my Existing c.card. 
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 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I received a Pre Approval through XXXX XXXX XXXX for a personal loan at a 13.99 % Rate through One Main Financial, I proceeded to validate that is information was correct before providing any credit information to anyone by visiting XXXX and checking my pre approval status there as well. I was once again advised I was being " offered '' two unsecured loans with One Main Financial with rates of 12.99 % and 13.99 %. I was asked to proceed to accept my offer, once I entered my personal information an inquiry was made on my credit and I was contacted by OneMain financial for a check stub and a copy of my drivers license. Once they obtained all of my personal information I was advised I was approved for 35.99 % interest. I advised the company I was not interested, I did not need the money and that I was simply trying to add a trade line to my credit to continue building it stronger since I was offered a good rate in this market. I advised them that they obtained my credit information by means of fraudulent practices and I wanted to have the inquiry removed and my personal information destroyed. They have refused to do this and stated that they will not remove the inquiry or my information under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I do not owe any debt to this place. Ive never had an account with them. They called me 8 times within 7 days. They called me TWICE A DAY on 4 separate occasions. That I have record of they have called me 2x on XX/XX/2022, called 1x on XX/XX/2022, called me 1x on XX/XX/2022, called me 2x XX/XX/2022, called me 2x on XX/XX/2022, called me 1x on XX/XX/2022, called me 1x on XX/XX/2022, called 1x on XX/XX/2022, called me 2x on XX/XX/2022. This is just what I have proof of but they have called me more than that. The week from XXXX XXXX they called me 8 times ( more than 7 times within 7 days ) When I talk to them they will not give me any information about who is calling, what they are calling about, they didnt tell me of any debt I owed. When I called them to ask questions they still could not tell me why they were calling me or how they have my name and phone number. It was disruptive to me at work and on the weekends at home. Im worried this JP Morgan is going to have fraud put on my credit report from debt I dont owe. The two numbers they always called me from are XXXX ( XXXX ) XXXX and ( XXXX ) XXXX.

Company response to consumer: Closed with explanation