vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: TN

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 non-monetary relief
Consumer complaint received 2023-09-06 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: CA

Complaint narrative:
I requested that Transunion remove a XXXX XXXX credit inquiry from my Transunion credit report. The Transunion investigation apparently concluded that the XXXX XXXX inquiry will remain on my Transunion credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX  XXXX inquiry should not continue to be displayed on my Transunion credit report as it currently appears : XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX Contact info Address XXXX XXXX  XXXX XXXX, VAXXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I checked my credit report through credit wise and noticed an inquiry entry from American Express. I noticed it was done on XX/XX/XXXXXXXX XXXX XXXX, which I didn't authorize and didn't apply for. I contacted the company immediately once discovered. I then obtained XXXX to protect myself going forward as a XXXX XXXX. I contacted American Express in XX/XX/2023 when I discovered this unauthorized action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My mortgage insurance payment was due on XX/XX/2023, but Newrez, XXXX XXXX Shellpoint Mortgage didn't mail the payment until XX/XX/XXXX. They stated that they didn't received the renewal notice until XX/XX/XXXX. I received my renewal notice approximately XX/XX/XXXX or XX/XX/XXXX. They also stated they reach out to my agent XXXX XXXX at XXXX to get a physical address to mail the payment but didn't receive an answer. However, XXXX XXXX XXXX phone number XXXX is listed on the renewal notice. 
My agent mailed a letter dated XX/XX/XXXX stating the payment had not been received, but I was working out of town and didn't received until I returned home on XX/XX/XXXX. No one never reached out to me via phone regarding the matter, as mail can get caught up or lost frequently. The payment wasn't received by XXXX  XXXX  ( XXXX XXXX ) until XX/XX/XXXX resulting in my policy being cancelled. However, the check was cashed by XXXX XXXX  ( XXXX XXXX ). I received a check for the payment reimbursement dated XX/XX/XXXX. 
On XX/XX/XXXX, I reached out to Newrez, XXXX XXXX and XXXX XXXX but I was told by all agencies there is nothing that they can be done. XXXX XXXX has stop writing policies in my parish and state. Trying to get homeowners coverage in my area is like trying to find a needle in a haystack. 
I am being penalized for an error that is beyond my control. My question would be why are we ( consumers ) need an escrow account if payments are not going to be made on time and it ends up costing us more money. 
This is unfair on all levels and this type of practice needs to be swiftly dealt with. 
Thank you in advance for your help, it's greatly appreciated! 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I used my aspire card for groceries, paying the bill in full after each use. On one occasion, I had used the wrong card, so I pulled the money in cash from my aspire card. The first pull did not work, so I tried again. I spoke with a rep who told me to try another atm. I did, and successfully withdrew one cash advance. I went to use the card, only to find my card declined. I checked the balance and it said I owed XXXX, which is over my limit. I spoke to one rep, who said my acct was closed due to inactivity. That didn't seem right, so I called in, the sup on duty told me I had to pay the XXXX, and my acct closure was permanent. Still no reason as to why my acct was closed. I spoke with the atm company where the cash withdrawals failed, and they said to file a dispute. I called aspire and got the paperwork. Still no reason for closure. Filed the dispute, and went to check on the status today. Both atm withdrawals that were declined were put back into the acct. Called to inquire again as to why my acct was closed. Told I should have been more responsible. Spoke to the sup on duty, who just kept repeating that it is in the cardholder agreement that they don't have to tell me. If those were fraudulent charges, as a consumer, I would have been being punished, and forced to either pay or deal with the dispute process and hope for the best, while still having no clear answer as to why. Now my credit is going to take a hit, and I still have no answer as to why. The reps were for the most part rude, unsympathetic, and as a whole, had no interest in actually helping me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Angel Oak Mortgage Solutions LLC
State: OR

Complaint narrative:
Attached are the following documents : Loan Estimate ( XX/XX/23 ) Broker confirmed locked from Angel Oak ( XX/XX/23 ) Closing Disclosure signed XX/XX/23 Final Closing Statement from XXXX XXXX demonstrating the overcharge. 
I want an immediate refund of the overcharge in the amount of {$8400.00} which is the difference between the stated and agreed points of 1.5 % ( {$16000.00} ) and the points charged at closing of 2.25 % ( {$25000.00} ). 
At the time of closing, I was under the financial distress caused by the enormous amount of time it took to get the transaction done. I had many obligations to pay from the proceeds of the refinance, couldn't wait any longer and was surprised at the overcharge of 2.25 % points at the last second, as all of Angel Oak 's attachments confirm the rate of 8.875 % with a cost of 1.5 % points. The lock agreement confirms the locked rate and cost, which I advised XXXX at the time of closing needed to be adjusted. Angel Oak has been so advised and has not responded. I want payment in full for this unfair and deceptive act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 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: GA

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-06 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: MI

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This debt was handled by an attorney the agreement was that XXXX XXXX would remove information from my credit reports and they have not done so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: OH

Complaint narrative:
This debt was handled by an attorney the agreement was that XXXX XXXX would remove information from my credit reports and they have not done so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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:
Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I just noticed a XXXX dollar debt collection on my credit report because I received a notification from my credit monitoring service. They are claiming it is for internet equipment, but there's no such thing. Supposedly this was over 3 years ago and the property was sold then. I don't even live there anymore. The HOA is supposed to be in charge of the internet service from our HOA payment. I didn't receive not one letter from them until today XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: AR

Complaint narrative:
I previously sent letters to XXXX, Transunion, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court.

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately.

I have also attached the information as it appears on my consumer report.

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: AR

Complaint narrative:
I previously sent letters to XXXX, XXXX, and Equifax in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. I have also attached the information as it appears on my consumer report. Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/2023 JPMCB Card services ran my social security to check on my credit report which I didnt authorize. I dont have any transactions with them. Someone is accessing my social security to apply or inquire to get a loan/card services. I recall that XXXX XXXX XXXX under XXXX XXXX XXXX had some issues with security incident that was accessed by a hacked and my personal information was access without authorization. I have received a letter from XXXX XXXX XXXX in regards with the incident. I suspect that someone is trying to access my personal information to get a loan from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This Debt has been false reporting on my credit report. This collection of debt I do not owe to this collector. This debt states a credit card with XXXX  XXXX and also it states the address in connection with this card I have never lived there in my life. This debt collector has been asked to prove this contract agreement which i signed with them. Silence has proven i owe no debt at all. They are my credit report causing damage. As you can see I have a 98 percent payment history. Other then student loan which are in good standing, i have no other debts. MIDLAND CREDIT does not have my permission to pursue any debts that i do not owe with me. They have been removed before and yet placed again on my report it must STOP.

Company response to consumer: Closed with explanation