vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had started a loan Application with M & T Bank on XX/XX/23. On this date, I had spoken with XXXX XXXX, a mortgage officer at M & T. 

On the very first call, within the first few minutes I had mentioned the house NEEDED a roof and asked if this would be able to be tied into the mortgage, he said he's not sure and we'll see what we can do. By the end of this ~hour long call, after I've given him all of my information I can, I follow up on the roof. He responds " what roof '' ... The first sign of issues. He ends up saying that we can see what we can do, and that we can move forward for now. 

I had given all of my financial information, bank accounts, active payments, loans, etc. From the start XXXX had misconstrued this information, however I did not find this out until later down the line. 

At this point XXXX told me I should go forward with getting an inspection for the house, and I had scheduled with a third party to get this done. 

Over the next few weeks, the roof was a topic of discussion I kept bringing up, as I knew it was a major part of the decision for them to approve the mortgage. Through the entire process he kept just reassuring me that " we'll figure it out ''. 

At this point I had gotten to underwriting. While working with them he had reached out to me to get some clarification on my income and other information, and at this point I found out he was " crossing off '' my car payment since the beginning, and that was inflating the view of what I could afford. 

Additionally, while it was at underwriting, i was mistakenly sent a message by XXXX that was meant to be internal to M & T, and it stated that the " {$5000.00} grant '' was not eligible, and that the bank would have to " cure '' it. Once again, showing that XXXX was not following due diligence for this process. 

Overall it is my strong belief that if XXXX had appropriately reviewed my information and the situation, and that if the team at M & T actually reviewed these calls and processes, that it would be seen that I should have never been told to move forward with inspection, as the house would not have fit within the DTI ratio from the start. 

The manager I have spoken to that was reviewing my case did not know what I was referring to when we discussed it, showing that he had not efficiently reviewed my case, and only referenced it not being something they would refund as it's a " third party expense ''.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
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 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 non-monetary relief
Consumer complaint received 2024-02-22 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: FL

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. 
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 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I GOT A CARD WITH CAPITAL ONE IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF XXXX. I HAVE MADE TWO PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: 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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 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 2024-02-22 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:
There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: IL

Complaint narrative:
In the mid XXXX  's I had a checking account with US Bank. I closed this account with a negative balance and paid this balance in FULL. I have proof of payment both in writing and bank statement showing the payment. Over the last decade I have had multiple agencies reach out to me about pending civil litigation on behalf of US Bank to collect on this debt. the balance now being claimed I owe is double the original balance due to " fees and penalties ''. I have had to prove on at least 5 separate accounts most recently today that I have paid this debt. I feel at this point I can be sued for debt paid if I ever happen to lose this receipt. I also do not understand why this debt is still being sold to agencies when it has been paid, At this point I do not know what my options are.

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 2024-02-22 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: DC

Complaint narrative:
Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, XXXX, EQUIFAX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: DC

Complaint narrative:
Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, EXPERIAN, XXXX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct 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 2024-02-22 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: NY

Complaint narrative:
I contacted Equifax by mail twice and by phone many times asking that all unverifiable information be deleted I have not yet to receive a response. I also asked XXXXXXXX XXXX to please delete all an accurate and fraudulent accounts wether closed or open to be deleted because they were there as a result of identity theft and nothing was done I did send in all of my information to verify my identity and nothing was done I am now asking for your help there were also two accounts that were put back on my credit report that were previously deleted one of the accounts are XXXX XXXX XXXX XXXX and the other account is XXXX  I am asking for your help because I have done everything that I can do to remove this virtual information for my account I also sent the documents showing that my information was involved in a data breach with Equifax and nothing was done. Thank you for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
Dear Equifax and XXXX Representatives, I am writing to bring to your urgent attention a matter of grave concern regarding the handling of my consumer credit information, which directly violates federal law. According to 15 U.S. Code 1681a ( i ), transaction history and experiences should not be reported on a consumer report. However, it has come to my attention that both Equifax and XXXX XXXX  have been consistently reporting transaction history and experiences on my consumer report since the XXXX account was opened in XXXX, despite my explicit opt-out request in XXXX. 

In XXXX, I formally opted out of XXXX XXXX  privacy laws through a documented opt-out letter, which should serve as irrefutable evidence of my request to cease the reporting of transaction history and experiences. Despite this, both Equifax and XXXX XXXX  have continued to disregard my rights as a consumer and flagrantly violated federal law. 

This breach of trust and blatant disregard for consumer rights can not be overlooked. Therefore, I demand the immediate removal of the following account from my consumer report : XXXX Account Number : [ XXXX  XXXX ] Failure to comply with this demand will leave me with no choice but to pursue further action. I will be compelled to file a congressional inquiry to have the governing body investigate this matter thoroughly, including the breach of contracts and the blatant violations of federal laws by both Equifax and XXXX XXXX. 

I trust that you will treat this matter with the seriousness it deserves and take immediate action to rectify this situation. I expect confirmation of the removal of the aforementioned account from my consumer report within 10 days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: LA

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.

has violated my rights. Or a 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 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 2024-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged 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 2024-02-22 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2024-02-22 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2024-02-22 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: NJ

Complaint narrative:
I was looking at my credit report after a recent divorce and saw some items I did not give the credit reporting agency permission to share. Also since the divorce my address has changed and I need it updated asap. There have been issues wih my ex and I am addressing all things at this time. Please see my request attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
i made numerous attempts to dispute information on credit file and i havent gotten any remedy. Experian has been using my data and furnishing my information without my consent. I didnt give consent to the consumer reporting agencies or the creditor who is reporting the data to experian this is third complaint that i filed regarding this matter and im really frustrated. i think im a victim of identity theft because i dont recognize accounts on my credit file that i dont believe i contracted with

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