vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on 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 explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit accounts are showing different scores an accounts that were removed are showing up on others I just want it to all read correctly

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I called TransUnion at XXXX. The reference number for the call was XXXX. The agent advised that they would escalate two recent unauthorized inquiries XXXX XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022, for disputing. However, they insisted on mailing in identity verification documents and an FTC report, which have been attached for your review ; however, this should not be required. I called TransUnion, verifying my identity on the phone prompts. Subsequently, it was made clear that there was no authorized nor permissible purpose for the hard inquiries. The legal process should be that the hard inquiries are dropped if there is no authorization or permissible purpose found. It is the burden of proof of the credit reporting agency to identify these factors, not that of the consumer to prove that their identity was potentially stolen.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my Equifax credit report. My latest credit report shows the following five ( 5 ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on 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 explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my TransUnion credit report. My latest credit report shows the following XXXX ( XXXX ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I went for an emergency visit to XXXX XXXX XXXXXXXX XXXX on date XX/XX/2022 when I was positive with XXXX  and was feeling unwell due to some XXXX in the XXXX, XXXX and XXXX. I was in the XXXX  for a total of XXXX minutes for which the doctors directly told me they did not know what I had. This resulted in the XXXX charging me an amount that did not match the solution or treatment provided. I was seen by 3 staff members and they all performed the same procedure as they do not trust what the others already did. At the end, their solution was for me to go home, very professional? I was sent a bill home for {$910.00} which surprisingly had a discount of {$510.00} to make the amount I had to pay {$400.00} for the little service provided, I find this as authorized stealing. This amount was fully paid on XX/XX/2022 for which I have the proof of my bank activity due to them not providing any receipts of payment apart from an email which I also have as proof. Recently, I am receiving calls from you, the debt collectors, saying that I have to pay an amount of {$280.00} this is the final amount requested and I will not go into detail of the ridiculous real amount and supposed discount because it was you who sent the information. I want you and the XXXX  to get on the same page and stop trying to charge something I do not owe. I want this resolved immediately and I want confirmation of you receiving this email and your response so I can seek the necessary legal help in case you not resolving this. Furthermore, I want an explanation of why this happened and why it is allowed for a XXXX XXXX to steal money openly and it being supported by debt collectors. Also, understand that the delay in this response is that you had my address wrong to start with and all your calls are during my work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
I opened an Avant mastercard by Invitation from Avant in XX/XX/2022, I was approved for a {$1500.00} credit limit with no fees. After receiving the card, I used it for {$320.00} then paid it in full before the payment was due. The next month Avant lowered the card limit to {$300.00} with no explanation, Avant hurt my credit for no reason. I am in a credit rebuilding situation already and their action put me further away from my goal of good credit. When they decreased my limit I had a XXXX score with ten old negatives and 13 positive current open accounts with like {$14000.00} available credit and {$150.00} balance cross all cards and 15 old closed accounts in good standings with XXXX bal. I had decent enough credit to get approved for almost any credit I applied for.. Ok here is the scam. If a customer pays the card in full every month and doesn't accrue any 29.99 % interest, they lower your limit by 80 %. I just read customer reviews from the Avant web site and most are almost exactly like what I'm writing here today. Paying their balance in full and having their limit decreased by XXXX % which lowers their credit score even more they're trying to improve! They are preying on citizens who are just trying to better their credit standings and it's not fair! We can't even close these scam cards because it will hurt our credit even more!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # : 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 explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
n 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 has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  discharged : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moody, Jones & Ingino, P.A
State: GA

Complaint narrative:
This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The XXXX word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as MOODY, JONES & INGINO, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the XXXX which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( XXXX XXXX XXXX XXXX ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the 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 2022-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to notify the CFPB about the inadequacy of BOA as lenders and their skirting of duties to pay our property tax on time. 

This Spring, we received a secured property tax from XXXX XXXX XXXX, specifically Escaped back taxes for XXXX XXXX ( {$3400.00} ). In XX/XX/2022, when we initially contacted BOA about this tax bill, we were told that this tax bill was BOA 's responsibility and it would be paid out of our escrow. Several weeks later we noticed that the tax bill was still not paid, and when we called to check on the status of the payment, we were told that they were still working on payment. We called back later again to speak to the BOA escrow department, and at that point were told that it was our responsibility to pay this tax bill. At this point, we were already being charged a late fee ( {$380.00} ) which we could have avoided if we had been given the correct information ( that the Escaped Back Taxes were our responsibility ) when we initially called. We believe that the late fee should not have come out of our escrow but should have been paid for by BOA because of the incorrect information we were given when we initially asked for guidance. 

This Fall, we've had to chase down the BOA mortgage to pay our property tax bill as well. Initially, we noticed that there was no fund extracted or prepared for the property tax due in XXXX. We called BOA and they gave us the completely wrong property tax amount ( half of what was actually due ), which I corrected. The next time I called back, they confirmed that they had the correct property tax amount which was being prepared to be paid. This has yet to happen. Our property tax was due XX/XX/XXXX and it is now XX/XX/XXXX and there is still no payment that is in process when I call into the automated line.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX. I demand the deletion of this inquiry from my Equifax report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
n 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 has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX bankruptcy 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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

XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX  bankruptcy 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 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
My account was paid and charged off in XXXX of 2018. For some reason XXXX continues to report CO 's on my credit reports. Pursuant to 15 USC 1681E, compliance procedures state that ( b ) accuracy of the information concerning the individual about whom the report relates, shall follow reasonable procedures to assure accuracy at the very minimum. Acima violated this law 18 additional times EVEN AFTER THE ACCOUNT WAS PAID. Since the balance was over {$600.00} and has been charged off as income, and the violations are still posted on my credit reports, I have asked them to remove from my credit reports and I want the remedy due me per the law. Because of Acima 's noncompliance, I have suffered and continue to suffer damages due to their negligence. I am constantly being denied housing and in turn my family and I are now homeless. Pursuant to 15 USC 1681N states that because of Acima 's negligence I am due punitive damages. I've requested a check in previous writings to them but Acima is acting above the laws. How will the CFPB punish Acima. Please advise ASAP.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am a natural person, I am a living XXXX XXXX. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion permission to furnish these accounts. Account # 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