vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
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 U.S.C 1681. 


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 had violated my rights. 


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

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an 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, 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 2024-05-22 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: MI

Complaint narrative:
I saw on all of my credit reports that there are well over 60 Inquiries that are fraudulent and must be DELETED within FOUR days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to Experian and XXXX and REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and Experian. DELETE ( ALL ) FORMER NAMES from XXXX. DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : XXXX XXXX  XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( 3 ) BUREAS, XXXX EXPERIAN AND XXXX , AS NONE OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT 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 2024-05-22 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: MI

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-05-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have found fraudulent inquiries in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
unauthorized/fraud credit inquiries : TD Auto Fin 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
I saw on all of my credit reports that there are well over XXXX Inquiries that are fraudulent and must be DELETED within XXXX days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to XXXX and XXXX and REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX  and XXXX. DELETE ( ALL ) FORMER NAMES from XXXX. DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : XXXX XXXX, XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( XXXX ) XXXX, XXXX XXXX AND XXXX XXXX AS XXXX OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN XXXX BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to XXXX USC 1681c-2. SEE ATTACHED IDENTITY THEFT 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 2024-05-22 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: MI

Complaint narrative:
I saw on all of my credit reports that there are well over XXXX Inquiries that are fraudulent and must be DELETED within XXXX days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to XXXX and XXXX XXXXnd REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and XXXX. DELETE ( ALL ) FORMER NAMES from XXXX DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : SELF EMPLOYED, XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( XXXX ) XXXX, XXXX XXXX AND EQUIFAX XXXX AS XXXX OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2024-05-22 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: IL

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 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received the first annual mortgage escrow account statement on XX/XX/XXXX of this year indicating that starting XXXX first, my payments will increase by 32 % due to insurance cost and estate taxes and a shortage of {$11000.00}. The company states that that amount will be divided by 12 and added to the monthly mortgage payments. Additionally, based on what they expect to pay in the next year, the escrow portion of the monthly mortgage payment will be {$1800.00}. 
So my monthly payment will increase by 32 %. This is outrageous since I have a fixed rate of 4 %. 
My complaints are as follow : 1.-never had a composite analysis since inception of the mortgage in XXXXXXXX XXXX XXXXXXXX. Never had one for XXXX or XXXX. 
2.- never had a escrow account analysis before seeking repayment of deficiencies, such as amount of dollars at the beginning of the year 3.-they paid {$22000.00} XXXXXXXX XXXX XXXXXXXX when at that time my taxes declined to {$15000.00} after I appeared in fron of the taxation board. 
4.- I requested too discontinue the escrow account since I paid 20 % of the sale price of the house and since purchase it increased in value, the account is more than one year old and I had no late payments I submitted the above to the company FITH THIRD BANK , they called me and I requested a written response from them since a verbal one will not satisfy me. Weeks have gone by and I do not get a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: 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 2024-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have fallen behind on my credit cards.I explained to my Bank U.S bank that I will be able to pay on them in XXXX, and there's nothing else I can do.I ask them to stop calling me at work. I drive a semi truck. I have explained to them that they are distracting my saftey, and that I drive at night, and sleep during the day.But they call me throughout the day several times, and I have it on my call records.

When I told them to stop calling me on my job, they didn't give me a reply on it.

Upload screen shots are of the US bank phone call most recent.

I have more from the recent past

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 2024-05-22 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:
This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing 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 non-monetary relief
Consumer complaint received 2024-05-22 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:
This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXXXXXX XXXX XXXX XXXXXXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive had a Lowes CC for 4 years. Without probable cause, Syncrony Bank decreased my credit limit from XXXX to XXXX, which is damaging to my credit score. Ive never been late with payments or any other opened account on my credit report. Ive never used above 30 % of my available credit on this card. Synchrony Bank has unethical business practices.

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 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Dear Bank of America On XXXX XXXX XXXXXX/XX/XXXX you accepted a payment of {$2800.00}, which included payment for my XX/XX/XXXX XXXX XXXX payment, and this online payment was immediately remitted to your company by my bank and cleared on XX/XX/XXXX in this total amount paid to Bank of America XXXX XXXX. 

In error your company reversed the credit for this bank-cleared payment on XX/XX/XXXX by internal mortgage notes, and by official entry line on XX/XX/XXXX allegedly due to non-sufficient funds of a partial amount of {$1400.00} that was part of the total payment of {$1400.00}. 

My bank, Bank of America NA did not ever nor currently does not ever issue partial returns of payments due to non-sufficient funds. 

Your payment history for the above-stated loan does not have a returned payment anywhere in XX/XX/XXXX claiming a return of {$2800.00}, the amount your company accepted on XX/XX/XXXX. 

Your Regulatory Agent XXXX XXXX has failed to have any contact with me since XX/XX/XXXX, after I provided him with proof of this payment and Bank of America Home Loans acceptance of this payment and is refusing to respond to the open CFPB complaint regarding this matter. 

Your company concealed this payment credit reversal that caused XXXX unlawfully automated late fees transferred to XXXX but caused all payments made after XX/XX/XXXX for XXXX to be reverted back one month more in arrears than they were paid for, causing unearned fees to be transferred to XXXX and that caused all XXXX  payments to be unlawfully reverted back XXXX month more in arrears than they were and caused premature principal acceleration in XX/XX/XXXX when I had no payments 30 days late or more as of XX/XX/XXXX. 

Should I not be able to obtain relief in recalculation of the payment dates each payment was made for due to error in line entry dated XX/XX/XXXX, I will be forced to seek relief with counsel in XXXX XXXX District Court to obtain this relief that due to fraudulent concealment by Bank of America Home Loans and non-disclosure of this material fact in the lack of notice, collections attempts, in my billing statements and credit files over 10 years, this corrective action is required immediately, as it is affecting my XXXX loans payment history unlawfully and negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AL

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance refuse to take the repossession off my account when the remaining balance of around XXXX has been paid/charged off.

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