vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: MA

Complaint narrative:
XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX XXXX XXXX abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and XXXX says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did XXXX verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX XXXX XXXX to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/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 2021-09-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to EQUIFAX informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, EQUIFAX may only furnish a report with my written consent. I did not give permission to EQUIFAX and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted EQUIFAX to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send EQUIFAX an invoice of their violations and expect to receive monetary compensation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on DISCOVERBANK. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX, on XX/XX/2021 when I attempted to create a profile on Kabbage, WITHOUT my consent they pulled my credit report. When I called and spoke to someone at Kabbage corporate office to explain that I didn't give my consent to run my credit they told me it was nothing they could do and to contact XXXX to have the inquiry removed. The company information is Kabbage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
You can contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hi, Im submitting this complaint myself and there is no third party involved. On XXXX I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692 ( e ) and 15 U.S. Code 1692a ( 3 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A fraud alert was sent to me a long time ago about an Inquiry put on my TransUnion Credit report Dated XXXX XX/XX/2019 ... I have requested several times to have this deleted, I never received any documentation .about this Inquiry from XXXX XXXX. 

I want this inquiry Removed from my Report Thank You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by LoanCare for 360 days. At this point my account with LoanCare is current.

According to LoanCare 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - LoanCare LLC reports a 90+ day delinquency to XXXX -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact LoanCare directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to LoanCare.

After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.

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 2021-09-08 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: MA

Complaint narrative:
In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with TransUnion for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.

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 2021-09-08 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: MA

Complaint narrative:
In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXXXXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.

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 2021-09-08 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: NC

Complaint narrative:
Unauthorized inquiries appeared from my credit report without my knowledge and from unknown banks or financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
A $ XXXX payment to XXXX XXXX was performed without my knowledge or consent from my Comerica Bank checking account. I do not have an account with XXXX. I filed the appropriate fraud claim with my bank on XX/XX/2021. On XX/XX/XXXX, another fraudulent $ XXXX transaction to was performed, but this time from my saving account. I filed another fraud claim with my bank the same day. I should note that no one, but Comerica Bank knows my savings account number. I have never given out this information as I've never had any reason to. 

I believe both XXXX Financial and Comerica Bank need to do more to prevent such large fraudulent transactions from occurring. I hope that by reporting this I'm able to prevent others from sharing in my unfortunate experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
i recently had a fraudulent wire charge for XXXX XX/XX/XXXX and was denied my phone was stolen and i thi then bbva denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect 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 2021-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WV

Complaint narrative:
On XX/XX/2021 someone tried to use my NetSpend card and charge {$2000.00}. The charge was blocked and their fraud department informed me that my phone number XXXX street address, etc. had all been changed. He then unblocked it and sent me a different card which I should arrive tomorrow. Immediately someone logged in and turned off notifications to my phone number and changed the email address ( pics attached ). I have since tried to get help unlocking my online account so I can transfer money to my wife 's account because ALL of my money is locked to that account. After calling from XXXX XXXX  to XXXX ( closing ) on XXXX XXXX and again this morning XXXX XXXX from XXXX XXXX  until XXXX XXXX  I've been told they can't look at my account or even transfer me to their fraud department again because my security answers were wrong! Obviously, because I don't know the hacker 's answers! So basically 6 hours of calling and arguing ( all time that they are using to do who knows what to my account and money ) and XXXX calls ( every number that isn't blacked out is NetSpend ) I've called the FTC who directed me to this page for 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 explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: TX

Complaint narrative:
My request to Watermark Capital , Inc LoanCare was to disburse the insurance payments to my home owners insurance provider from the established escrow account. I have been contacting the Watermark Capital , Inc . Customer service since XXXX XXXX, 2021 and the issue has not been resolved yet ( as on XXXX XXXX, 2021 ). 

I have been on long calls ( ~30 to 45 minutes ) with the Watermark Customer Service ( Escrow and Insurance ) departments on several days over the last 4 months. Here are the customer service request tracking numbers provided for reference - Ticket # XXXX ( Wednesday, XX/XX/2021 ) - Ticket # XXXX ( Monday, XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
I recently contacted Target Credit Department to discuss my account ending in XXXX. It showed a charge off account in the amount of {$980.00}. I didn't know that an account that has been claimed as a loss was supposed to still have a balance. The customer service agent told me I could settle the account for {$320.00} and it would be off my credit. 

XX/XX/XXXX, my credit report shows Target updated my account with a balance owed of {$660.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened a savings account with Citibank early 2021. On my bank statement, it shows 2 accounts. Not sure who owns the other account. But I can see its balance and all transaction details. It bothers me tremendously to image someone else might have the same access to my account info. 

Called Citi, they routed to IT department, and no one ever answered. Called again told them this is a serious confidentiality violation. The representative just told me he knows nothing and transferred me to IT department again, where I waited 20mins. No one ever answered the call.

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