vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
I disrupted this debt and told the company and collection agency that this not my debt or signature

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing a {$760.00} charge to my credit card account on XX/XX/2023. The charge is in error because I did not make or authorize that charge. I asked the credit card company provide any details, i.e. packing slips, invoices, proof of delivery, etc. Nothing was provided. 

I requested that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I have cancelled the credit card for fraudulent reasons. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

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 2024-03-04 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: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX I was approved at XXXX % for refinancing my loan after the Covid relief period had ended. I was on diplomatic mission with the XXXX XXXX XXXX in XXXX XXXX. I was unable, after four attempts, to notarize the loan docs and return them to Freedom Mortgage within the 14 day period due to the fact that it took 14+ for the mail to arrive. During XXXX I requested more than 20 times by phone that the docs not to be mailed as it took 14 days to receive mail in XXXX XXXX XXXX More than 20 times i was assured they would contact me and send by email so i could sign and notarize and return. This never happened. After one year of trying my loan was cancelled and was told the program for Covid no longer existed. During XXXX a new loan could not be approved on time as it was always delay due to documents expired before the loan could be reviewed. Today, XXXX, after not having a loan for 3 years, a loan was approved at XXXX percent with a monthly mortgage payment {$1200.00} above the original loan that Freedom Mortgage purposely refused to receive from a disabled veteran, serving his country in harms way in the XXXX XXXX, in order to increase the loan percentage rate.

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 2024-03-04 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OZK
State: FL

Complaint narrative:
Can not sign on to my account- asks for information that I do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Contacted credit card company in XXXX to payoff a balance transfer and was told I couldnt pay it off until it expired because payments are applied to highest interest rate balance first. Told to Call back after XX/XX/XXXX when it expired and it would be paid off then. Called XX/XX/XXXX to pay balance transfer 4 off and applied remaining payment to other balance transfer. Payment was {$900.00} which paid off balance transfer 4 with about {$100.00} left for other balance transfer offer. Didnt happen when I received statement I called XX/XX/XXXX and told it would have to be adjusted. Received letter saying they cant adjust it because now they have to apply it to the lowest rate balance first. False and misleading information. Deceptive practices just to get money from higher interest rate.

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 2024-03-04 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: NC

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these particular inquiries from my credit report, as they adversely affect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I had a mortgage with Roundpoint Mortgage and it was paid off in XX/XX/2023. They did not post XXXX tax form online like other mortgage servicer does. 

This morning I gave them two phone calls to request the XXXX form. However I have not received it as of now. 

Email Address : 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 2024-03-04 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: WA

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has reported to my credit report owed XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
newrez was our previous mortgage lender because we just did a refi. We had an escrow account. They were supposed to pay our property taxes for the first half of 2024. The money disappeared from our escrow account on XX/XX/2024. And as of now ( XX/XX/2024 ), XXXX XXXX still hasn't received it. It's been almost a month. Where's the money? I've heard similar complaints before. Now it's happening to us. This smells like a dishonest company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: ME

Complaint narrative:
15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( Equifax, XXXX, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: ME

Complaint narrative:
15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( XXXX, Experian, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and 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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX has reported to my credit report owed XXXX Comenity Bank/Giant Eagle in the amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, XXXX, and Experian have put numerous soft pulls when using their service.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights.

I want all negative accounts removed and deleted in accordance with the XXXX  and fair credit reporting act and other laws outlined with the CFPB.

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Sent letter to I.C.SYSTEMS TO desist and to verify Such debt is owed

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