vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXXXXXX on XX/XX/, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is XXXX, as I did not authorize the inclusion of these accounts and inquiries on my credit report. 

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report. 

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly. 

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MD

Complaint narrative:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: MD

Complaint narrative:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MN

Complaint narrative:
I closed on a home equity line of credit on XX/XX/. At this time, US Bank stated that I was required to pay off three outstanding credit cards in order to receive the HELOC. I had stated at this time, that I did not recognize one of the accounts and did not have a credit card with XXXX XXXX XXXX XXXX. The loan officers said that it did not matter, that I was required to mail the check anyway. I mailed the check after it arrived via USPS. The check was allegedly cashed on XX/XX/. I called XXXX XXXX, XXXX XXXX, and US  Bank to locate where the funds were deposited, and none of the banks could provide me with information. XXXX XXXX and XXXX both said I did not have an account associated with my name, SSN, or date of birth. They could not locate where the check was deposited if I was not an existing customer. US Bank said they can not locate a check or what account it was deposited into after it has been cashed. As of XX/XX/XXXX  - the check for {$750.00} is missing and unable to be located.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I put a downpayment on a XXXX XXXX in 2021, which was advertised as being fully refundable. It looks like the company is now going out of business and they refuse to respond to requests for a refund. AmEx says they are unable to track down record of this transaction so I have found it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to access my credit file via myequifax.com. I try to login and get a message that tells me I can not login and to contact their Customer Care Team. Ive called multiple times since XXXX  and all they tell me is that they have to escalate my issue to a backend team but no follow-up occurs or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I had two cards with Bank of America of 12 year duration and credit history. Rather than pay two fees yearly, I decided to cancel one of the cards. 

Weeks later, I saw my XXXX score had taken a hit. I had anticipated this and the eventual rebound a few months later. As the months unfolded however, my XXXX went from an XXXX to below XXXX. I contacted the Bank of America credit card services and enquired why this might be. I was told by Bank of America that despite my name being on my Bank of America business card, the other card I cancelled contained all my personal information as reported to the 3 credit bureaus. I then tried to have my Bank of America personal card reinstated as I was told it is possible to reopen accounts as this was done on a " case by case '' basis. Despite my decades of never missing a payment and positive history Bank of America refused my request two times. Bank of America also refused to send a letter saying when my personal account was opened and when it was closed as well as any " good standing '' information that could help me rebuild my credit.

I now do not exist with the credit reporting agencies and am no longer able to draw credit or secure a credit card. Bank of America never told, or warned me, that my personal information was tied to the one card that was being cancelled. To me, both cards had my name on them. It was inconceivable that cancelling either card would terminate any and all credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
So basically, I bought a car around XXXX and i couldnt afford it anymore becasue i had financial trouble so i talked to XXXX XXXX XXXX XXXXXXXX about my options and they said i could sell it to get the most out of it and i would be left with a loan amount to pay off. SO i had 2 offers for around {$16000.00} and they said to me that those offeres where too low and they could get more for the car and wouldnt allow me to sell but to give it to them voluntarily to sell it, When i did XXXXXXXX XXXX  marked my credit as a repossesion and i waited a month and called and they had no information and every couple of weeks i would call but they had no answers and i asked about the credit information and they couldnt asmwer that either, so after months and months maybe 3 or 4 i called and they told me they sold the car and i was left with about {$7500.00} to pay off in a loan, i didnt have any money to pay so i havent paid it and i asked more any other options and they said no. I asked about my credit why does it say i have no late payments and a repo on it, and they cant answer my questions and I feel like they took way to long and the processes want handled correctly and the information i have on the account isnt right, please anyhting you can do to help me i would appreciate it so much, i am XXXX and married and im trying my best to start our life and this is really preventing me from getting a house if i am being honest and i really just need some help. my number is XXXX. Thank you for anything you can do for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CO

Complaint narrative:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: CO

Complaint narrative:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
We occupied the townhome for two years XXXX XXXX. Every single rent payment was made on time, we took the utmost care of the place staying in close contact when repairs were needed and vacated with the exterior and interior in excellent order. 
The security deposit in place was {$3500.00}. We received a refund from XXXX of {$940.00} on XX/XX/XXXX after the landlord, inspected the property on XX/XX/XXXX. On XX/XX/XXXX, an additional {$50.00} check was disbursed to our name, once the landlord confirmed the garage door opener had indeed, been returned by us. Both checks were deposited into our account. Despite this reduced deposit at final accounting, the landlord reopened the account at the end of XXXX we received a demand letter for {$1700.00}. 
In the XX/XX/XXXX report by the landlord, XXXX  % of the results are marked satisfactory. In the column for items the landlord marks action needed are considered normal wear and tear on the walls and baseboards. We had the unit cleaned by a professional service. Our maintenance service manager and a commercial painter spent time in the townhome patching walls touching up any cosmetic issues. 
The charges in the amount of {$1700.00} are not in line with the condition of the unit and the terms of the lease. Furthermore, these are unsubstantiated and baseless damage claims against our deposit should be reprehensible. 
A letter arrived from the debt collector on behalf of the landlord XX/XX/XXXX saying we had the opportunity to respond by XX/XX/XXXX in writing to dispute so I responded in writing on XX/XX/XXXX. On XX/XX/XXXX, we were sent to collections and the {$1700.00} is considered " valid. '' Please let us know should you like us to furnish documents and photos from our records for your review and consideration. We hope to resolve this matter promptly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AR

Complaint narrative:
My loan servicer was switched without anybody reaching out. My first loan payment was supposed to be in XXXX and all month I have been trying to make that payment but both ED financial and XXXX both show that I have a XXXX $ balance. I have received no information about anything. I have tried calling and can not get on the phone with anybody due to very very long wait times. I know there is payments to be paid and it is very stressful not being able to pay them on their right times. I hope that I am not going to be flagged or disciplined for a " late '' payment when in reality there is no way for me to make one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
I saw a Collections record on my credit report posted on XX/XX/XXXX  by Fair Collections & Out. The agency never sent me a single debt validation letter or intimation regarding this record via any phone call, email or postal mail to my physical address. On enquiring further on XX/XX/, they informed me that they sent 2 letters to an address where I lived more than a year ago, and never called despite having my phone number in their records. They even had my current physical address in records but someone in their system sent the letters to the old address and never checked if these letters were received. Because of their internal issues, I was never given a chance to validate or verify what the debt is about, and a Collections record has been added to 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 2023-11-01 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: MD

Complaint narrative:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My Discover Card was closed due to a verification done last month, after almost 3 years of having the card. 
I received an email from, XXXX which i verified my discover information but did not receive any responses. I found out my account closed when i received an email about my identity protection was longer active about a week later. I asked why is there a verification being done was it because a payment bounced? At first they said it was XXXX requesting the info, then they said it was the IRS. Which I contacted both and found out discover themselves are doing these verification. I called back and they said they review taxes from 2 years ago. Which XXXX couldn't verify my information because i changed address and my marital status. I asked why they didn't contact me directly. They said because myself phone number wasn't under home but is under cellphone. They said they only called house numbers. I quickly responded letting them know they could have emailed me, called my cell, or even messaged my from the app like they done before for any issues. I've also provided them my check and ID number because they never increased my credit limit from XXXX XXXX and i was 100 percent on time with payments and my credit score was XXXX any balances on my credit were from an authorized user. This was done a month prior. the closure of this card has brought my credit to the low XXXX. it was one of my oldest cards that i worked hard on building my credit. It is not fair the credit card companies can advertise increases for one time payments and building credit then close your account without warning. This is the second time its happen to me and this low score and decrease in availably credit has affected me financially now having to pay higher limits on accounts i was working hard to refinance. One of the reps went as far to say that people had the card for 20 years and had their cards closed.

Company response to consumer: Closed with explanation