vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: PA

Complaint narrative:
Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts 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 XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: PA

Complaint narrative:
Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXXXXXX 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 XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
Calvary Portfolio services XXXX XXXX XXXX XXXX multiple accounts XXXX multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I hired XXXX law to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over XXXX XXXX XXXX. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX XXXX  IC Systems XXXX XXXX multiple accounts XXXX multiple accounts

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 2023-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I lost my Venmo debit card. There were fraudulent and unauthorized transactions made. Venmo said they will investigate this and did not do a thorough investigation. They claimed a pin number was used when no one has access to my pin number. I then myself contacted all the merchants where fraudulent transactions occurred, and they all told me it was not a pin number used when my card was used. It was a signature-based transaction. Upon reviewing Venmos terms and conditions all fraudulent transaction should be refunded to my account along with freezing my card. This never was done by Venmo and Im asking for assistance. Venmo representative, then tells me to get documentation from the merchant which the merchant is unable to give me. They will only be able to provide it to Venmo. This is a tack of Venmo terms and condition said they should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I spoke to superivors over by phone over the last 1.5month reguarding over express shipping 2 to 4 days. Which was not done early this month XX/XX/XXXX with cause me to be with public transportation my clothing needs and limited food supply. The rep that reordered my amex serve card sent reg. US Mail, when I specifically request it express ship ( which is a {$20.00} charge ) This was not done I think its very unprofession unacceptable ( sloppy on amex part ). IM ASKING COMPENSATION of 50 % off All fees SINCE IVE BEEN IV BEEN A CARD HOLDER SINCE XXXX Also to PLEASE grandfather my fees agreed back on XXXX Amer Expr Serve Acct As I was happier with there service and fee agreements at that time. 

Sincerely XXXX XXXX XXXX XXXX # XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: PA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 


10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this 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 2023-05-24 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: GA

Complaint narrative:
I urgently request the company to remove the inaccurate and unknown account from my records, as they are causing financial harm. Their prompt elimination is crucial for accuracy and my progress.

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 2023-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During the years of XXXX thru XXXX when the United States was in a nation wide pandemic. I lost my job due to covid and fell behind on my house payments. I have since then made double payments and made good on all of the late payment charges i received from the bank and caught my loan back up to a non late status. I have tried multiple times to work with the bank on forgiving the late charges due to the loss of my job during covid but they will not work with me. These late charges have destroyed my credit score and I am in no good standing to refinance my balloon loan that is up at the end of this year. Please if there is anything you guys can help me with that would be greatly appreciated.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I got a capital one quicksilver card at the beginning of XXXX, as a student. My initial credit limit when getting the card was {$300.00} although I immediately requested a credit line increase. I knew right away that $ XXXXper month would not support my lifestyle. However, as I reached my credit limit I would make payments, often many times within one month/billing cycle. As I made payments consistently, I requested another credit line increase, a couple weeks after getting the card. I was told I would have to wait 4-6 months before receiving a credit increase, although I proved that I could consistently pay my balance and on time. Since getting my card in XXXX, my account has been restricted 3 times, apparently due to the amount of payments Ive been making. The first time it was restricted I got an email. However, the second time it was restricted I made a payment, capital one processed my payment, but never extended me credit. They also did not notify me that my account was restricted, so I was waiting weeks for my credit to be restored. When I called, they informed me that when my account is restricted I would know but I did in fact not know until the representative told me after I called them. The third time, a few days ago, I called to unfreeze my account but they needed to contact my bank, which had already closed. I went 3 days without access to my card because I was never available to call capital one at the same time my bank was open. I was told that my account keeps getting restricted because I make too many payments within one billing cycle, but I need to spend more than {$300.00} in one cycle. I requested a credit increase right away and after some time, but they denied me. 

I was out of the country when my card was restricted 2 out of the 3 times and was unable to make calls from my personal phone. Capital one does not have an email to contact, which made communication about this very difficult and inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this 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 2023-05-25 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXXL inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-05-24 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: AL

Complaint narrative:
These are all closed accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have 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 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 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 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months. 

Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements. 

So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no. 

Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem. 

I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?

Company response to consumer: Closed with explanation