vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-01 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-04-01 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: NJ

Complaint narrative:
I am both annoyed and frustrated that I have to come back to the CFPB AGAIN to file a formal complaint against Equifax for their failure to comply with my request to opt out of sharing account information, as per my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a request to Equifax to cease sharing specific account information, attaching my driver 's license as requested for verification purposes. However, despite providing all necessary documentation, XXXX has ignored my request, claiming an inability to verify my identity. The account details I requested to opt out of sharing are as follows : Account Name : XXXX Account Number : XXXX. I have attached a copy of my driver 's license AGAIN, which should serve as sufficient proof of my identity. I am not required by law to submit anything else but I am attaching additional proof. Equifax has unreasonably delayed processing my request, which constitutes a violation of the FCRA. As a consumer, I have the right to control the sharing of my personal information, and Equifax 's failure to honor my request undermines this fundamental right. This unreasonable delay in processing my opt-out request not only violates my rights under the FCRA but also exposes me to potential privacy risks associated with the unauthorized sharing of my account information. I expect Equifax to promptly comply with my request and cease sharing the specified account information with any affiliates or third parties for marketing purposes. Furthermore if XXXX ignores my request AGAIN I will not hesitate to file a lawsuit against them for their willful noncompliance and hold them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: IN

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally bank has locked my checking account account XXXX times from XXXX XXXX until XX/XX/2024. Their emails each XXXX times stated to contact the bank, which I did only to be told they could not help me nor transfer me to the Speciality Team that the team would contact me within XXXX business days. The Speciality Team did not contact me none of the XXXX business days. It took XXXX BUSINESS DAYS to unlock my account the first time. I am XXXX, retired, am paid the last day of each month only once a month and live on a fixed income. Meaning, on the XXXX of each month I have to pay rent, utilities, insurance, monthly bills, buy food, gas, prescriptions, etc. I had to wait XXXX days without my drugs, buy food, etc. XXXX times this has happened. I can not live like this and it is not fair to hold/restrict my money for XXXX days because they have security issues with their end of my account.

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 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I never was severed paperwork to me at my home and they sent a garnishment to my job on a debt they say was from XX/XX/year> which I believe to be not within statute of limitations. On paperwork it doesnt say who the original debt is from and when I ask them they say like three different companies. Can not provide me with a full account number or any sign proof of debt that I believe is over 7 years now. Its not even on my credit report that I believe but I dont have enough information to know for sure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
On XX/XX/2024, XXXX made an unauthorized debit from my First National Bank of Pennsylvania checking account for the amount of {$4500.00}. I called XXXX XXXXXXXX XXXX  on XX/XX/XXXX, they proceeded to file a claim to dispute the transaction. Since then no one has reached out to me or given me any updates for the claim. I called First National Bank of Pennsylvania on XX/XX/2024 asking to speak to the fraud department to get a status update on my claim and ask if there was anything I could do to help speed the process up due to the situation inconveniencing my bills and whatnot. I was told that I could not speak to the fraud department, and the representative told me they don't have any updates. I was told there was paperwork for me to sign but I haven't received anything and would like to know if they can email it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Capital one and asked for the account number my dad created when he used my social security number to open many accounts in my name using identification theft and told them that I need the account number in order to give to the detective working my case and they said wouldnt after many times of me trying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CA

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CA

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 XXXX 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 2024-04-01 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: NJ

Complaint narrative:
I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from XXXX and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.

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 2024-04-01 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: NJ

Complaint narrative:
I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from XXXX and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from XXXX and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.

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 2024-04-01 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: 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  Account XXXX Account Name : XXXX XXXX Account XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: 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  Account XXXX Account Name : XXXX XXXX Account XXXX 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 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XX/XX/2024, I called my mortgagor, PHH Mortgage, to request a forbearance while I worked to correct an escrow deficiency caused by South Carolina incorrectly taxing me as a non-resident. This escrow deficiency caused my mortgage to increase by {$1300.00} per month, and getting the necessary tax refunds has taken longer than I wanted to. I was told by customer service during the XX/XX/XXXX that ( i ) my account would be placed in forbearance immediately to cover the XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX payments ; ( ii ) that no auto-pay payment would be taken out on XX/XX/XXXX ; and ( iii ) that I did not need to make any changes to my auto-pay account. 

All three of these items proved to be false, and on XX/XX/2024, my account was debited, including for the additional {$1300.00} escrow deficiency amount. I called the same morning and was told by customer service that my account had not been placed in a forbearance and that no effort was made to defer my XX/XX/2024 payment. I asked for a refund and was told that I would have to call back on XX/XX/XXXX after they had processed the payment to " begin the process '' of requesting a refund. I was provided with no assurances that any refund would be provided at all or when any refund may be forthcoming. 

I relied upon what I was told when I was requested a forbearance, and the XX/XX/XXXX payment caused my account to run delinquent. I have no idea how I am going to take care of my other financial obligations ( including feeding my three children ) while I wait for PHH to make a determination concerning whether or not I might get a refund. This has caused me enormous stress and to have to call other companies to ask for them to defer payments while I wait for PHH to decide whether they want to sort the issue out. Customer service thus far has been unhelpful and unsympathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XXXX XXXX we requested payment to Merchant XXXX XXXX  of {$8900.00}. On XX/XX/XXXX my husband didnt recognize XXXX  so they did a credit adjustment, I immediately call on XX/XX/XXXX and the did a debit adjustment. The merchant claims they didnt receive payment, so thats why they billed me in XXXX for XXXX plus late charge of XXXX. The merchant sent bank processors information show a charge back on XX/XX/year> due to Merchant losing dispute. US Bank will not trace the money trail. The lawyer said it can be traced, also visa/mastercard processors said it can be traced but US Bank only says they sent but wont give proof. US Bank has the money, why did merchants bank produce the processors paper trail.

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 2024-04-01 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I'm not sure of our actual move-in date, but it was early 2019 ( probably the first quarter ). We moved in based on the Landlord 's agreement to repair the carpet damage left by the previous tenants. The damage was in the second bedroom, and it was a discoloration that covered more than half the room. The promise was kept, and the carpet was replaced within approximately two weeks after we moved in. 

After living in the apartment for approximately a year and a half, we found a home and moved out. There was no move-out inspection because of a manpower shortage. We were later billed for the carpet damage that existed prior to our move-in. Just myself and my wife lived there, and we rarely even had company. There was absolutely no damage caused by us during our residency, but we were charged for it after moving out and later reported it to a collection agency, who marked and damaged our credit report.

Company response to consumer: Closed with explanation