vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hard inquiries on report without approval

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Unauthorized use of credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
When I signed up for a Macy 's credit card through XXXX XXXX, they put in the wrong address. It was highly challenging to contact them over the phone and took four attempts to get somewhere. I finally spoke to someone who said she would excuse the late fees and interest because I could not pay the card since it went to the wrong address. I paid the entire card off and closed the account. However, I received a notice that I owe {$140.00} and I can not get ahold of them again. So I felt it would be best to report it. I made it very clear that I could not pay it and I had trouble getting ahold of them and they agreed to waive all related expenses. This is shameful and unethical on XXXX XXXX to lie 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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Need these accounts looked at cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report with Equifax that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
on XX/XX/23 I pulled my consumer credit report and found Toyota Motor Credit is inaccurately reporting a 30 late payment on my account.

I did not give permission to furnish this information to any Credit Reporting Agency according to 18 USC 1028 ( a ) this could be a violation The furnishing of this inaccurate information has harmed me. Debtors can not furnish performance reports without expressed written permission from the consumer. 

I was not given a 5 day notice before reporting this item to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
These accounts are incorrectly being reported and I demand that they be removed from my credit report or updated to reflect a balance of { {$0.00} }. I have reached out to the creditors regarding the validity of these debts, but they have not provided any proof of the charge off. While I am looking over my credit report, I have noticed that these accounts are not being reported accurately, and I believe that they are inaccurate, erroneous, incomplete, or unverifiable. The accounts in question are : XXXX XXXX  XXXX. It is worth noting that other bureaus have already removed these accounts from their records after I disputed them. There was an error present, and they were able to find it. I am confused by the fact that you have verified these accounts while the other bureaus have already removed them from their records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Greetings, On XX/XX/XXXX, PHH, sent written correspondence regarding my efforts of discharging the debt. 

Please see attachments below. ( TILA/RESPA requests ). 

The rules of engagement are simple, reasonable, lawful, and legal ( written in the affidavit ) : 1. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements : i ) Your answers must be in accord with TILA ii ) Your answers must be truthful under oath under penalty of perjury iii ) Your answers must be with a wet-ink signature and title of the representative iv ) Your answers must be sent with delivery confirmation v ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers vi ) Your answers will be reviewed by my attorney vii ) I require your answers within ten ( 10 ) days of your reception of this inquiry viii ) Send your response to me with delivery confirmation Also see FAS 140 ( detailed ) attached. FAS 140 was created to govern the sale and securitization of a negotiable instrument. Im afraid theirs been security fraud somewhere along the lines of my mortgage and Im seeking to satisfy what is legally expressed as a debt. From the permanent conversion executed, Im simply seeking whats fair by law. PHH continues to send me the Adjustable Rate Note, when Im clearly requesting the ORIGINAL Promissory Note. Which to my knowledge doesnt exist any longer, its been sold as stated in correspondence to PHH from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. This is a form of double dipping security fraud. 
I now am seeking PHH to show their standing on the matter, and will seek all punitive damages from this unfortunate series of events. According To RESPA laws, theres a {$2000.00} to {$4000.00} penalty per violation. Ive been very loyal, integral and hard working, just to come to the understanding I have been taken advantage of. 

Ive taken the liberty to file a 1099a copy B ( Copy C is for my records ) which is attached as well for PHH to acknowledge. I will be certify mailing a new endorsement accepted for value, due to the last correspondence it was expressed PHH ( servicing company ) does not accept payments unless written in the original note, yet there is NO original note. Lets please work together! 

Thanks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report from Transunion that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
Equifax, XXXX XXXX, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX XXXX, and Experian has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit has been reporting a debt collection account for XXXX XXXX  since XXXX  ; however, my XXXX account remains open and in good standing. Whenever I dispute the account, Midland Credit " verifies '' it but it will not send me proof of the debt, or the full account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Equifax Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
There's an inquiry on my Equifax credit report from XXXX. I'm unaware of the giving XXXX  permission to pull my credit report. I have asked Equifax to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE NEVER APPLIED FOR CREDIT WITH XXXX XXXX ON XXXXXXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT 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 non-monetary relief
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I HAVE NEVER APPLIED FOR CREDIT WITH XXXX  XXXX ON XXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX  XXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, So i Recently made deposit of large amount of checks from state of california it was a back pay for my job as an IXXXX XXXX for me XXXX this program for family 's with XXXX  family member and a family member can provide the support i was approved to provide in home care for my son since my application date was XX/XX/XXXX  and it took so long to get approved the state sent me all back pay from the time i applied i then went to the bank and deposited the amount into my bank account it was fine i went and made some small purchases and everything was going well. Until I decided to pay off my husband car loan on XX/XX/XXXX around XXXX XXXX  we went to the XXXX  XXXX XXXX and tried to pay off the loan the transaction didnt went trough, After that my card was keep getting declined so the next morning janurayy XXXX around XXXX XXXX  i called the bank and asked them why my transactions getting declined the tier one support transferred my call to Fraud department. 
This is where the story begin a very rude lady starting all the questions i all ready answered to the tier one agent whom i was on a call with for 30 minutes i asked the Fraud department lady why she is asking me same questions all over again she should have all information from tier one who connected us she got mad and Said okay bye have a good day and hang up on me. 
Few minutes later around XXXX XXXX  up on checking my account online I noticed i cant login and access anything where i was able to login and access everything before calling the bank so i called again and someone from fraud department asked some questions from checks I deposited and told me that your account is frozen due to check deposits and we will investigate this it will take two weeks i told them several time that those checks are from state of California and you can call the issuer if you have any questions from me i can answer but no my account is still frozen and no one is taking care if it. 
I am attaching receipt from the days of deposit and also some email screen shot from the sender of checks the confirms it is coming from a legitimate state office. 
PLEASE HELP!!!

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