vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: VA

Complaint narrative:
I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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

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 2024-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My husband and I have an escrow account surplus of {$2100.00}. We are current on our mortgage. We are in XXXX  XXXX bankruptcy. Freedom Mortgage REFUSES to release our escrow surplus amount to us until our bankruptcy discharges. I have looked at the law and as long as we are current on our mortgage payments they can not hold the check.

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 2024-03-29 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: MS

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX XXXX, XXXX, XXXX. And Capital One auto finance. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and XXXX and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX On XX/XX/year> and the XXXX. Report of Capital, one auto finance on XX/XX/XXXX of 2023 thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX  XXXX, XXXX Capitol one Auto Finance XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX  I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX Santander, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of XXXX  showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and Santander and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and Santander consumer U. S.AXXXX On XX/XX/year> and the XXXX. Report of XXXX, XXXX XXXX XXXX on XX/XX/XXXX of XXXX  thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX XXXX, Santander XXXX XXXX XXXX XXXX XXXX and san tander

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, transunion, and XXXX are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and equifax are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Cogent Road, Inc.
State: CA

Complaint narrative:
While looking at my credit report, I noticed inquiries that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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 are several inquiries that I require proof of a permissible purpose. 

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called EQUIFAX to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Transworld System Inc , which claims that I owe {$1800.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXX/Opploans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This complaint is regarding account # XXXX with XXXX/Opploans, which claims that I owe {$3700.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a joint account holder with my XXXX  year mother on a checking and savings account at PNC Bank and when I tried to access funds using an ATM, the kiosk stated that the request for withdrawl exceeded my limit. I also need to pay for my mother 's assisted living and rehabilitation care and the accounts are frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B seems to necessitate the elimination of any erroneous accounts from my credit report. Can you verify the documents? There are inaccuracies present in some of the listed accounts.

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