vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2024-01-09 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that XXXX provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure. 

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from XXXX. 

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by XXXX. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to XXXX and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that Experian provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure.

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from Experian.

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by Experian. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to Experian and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XXXX I received a bill from my credit card company Shop Your Way ( XXXX ). On it was a charge for {$480.00} from a company called XXXX XXXX XXXX I IMMEDIATELY called Shop Your Way and stated I never made a transaction from them. Two wks later I called back. Was told charge was dropped and was issued a new card. I also asked verification which wasn't received. I used my new card which they sent plus paid off the majority of my due amount. With the next statement on my " new card '' the charge I didn't make was still on my account. I called the fraud unit back and asked for the phone number of that company XXXX XXXX. I tried several times and couldn't get ahold of them nor have received any correspondence from them or SHOP YOUR WAY. I told them to block my new credit card until I got some answers from them. Week past I called back and was told they closed my account. Now today I received a pin letter from them saying I was liable for the charge and if I didn't make payment they would contact the credit bureau. 
I HAVE NEVER EVER NOT MAKE A PAYMENT INFACT I HAVE PAID AHEAD. I called them back today and the fraud unit said they will reopen case when I asked her what did they find out. No given answer. I asked for her operator no which she couldn't give but was given this case number CASE # XXXX I am still wonder how that company got my new credit card or was it just SHOP YOUR WAY. To totally close my account after being a good customer is beyond me.

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 monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: TX

Complaint narrative:
user XXXX XXXX XX/XX/XXXX, XXXX Sent {$730.00} AUD Your recipient should have the money by XX/XX/2023. 

Repeat this transaction Paid with XXXX balance {$500.00} Exchange rate {$500.00} USD = {$730.00} AUD XXXX USD = {$1.00} AUD Transaction ID XXXX Contact info Message XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$490.00} {$730.00} AUD Fee {$4.00} {$7.00} AUD Total {$500.00} {$730.00} AUD There were 7 repeating charges that were attempted to be run VIA ACH. I called, emailed, and reported these fraudulent charges over a week before the ACH was even attempted to be charged to my account. 

The representative that answered the phone only stated that I had authorized the charges with no means to confirm this. I was alerted via phone to the charges to have been authorized at about XXXX my time, contacted XXXX at about XXXX. 

Initial reporting to this was automatically declined by their automated system, the rep I spoke with said I would receive further review via their team. 

About a week later I received an email indicating the charges were unauthorized, however I would have to hope that the person who received my funds would return them. 

After initial contact with XXXX I contacted my banks, performed stop pays for all transactions and created new accounts. 

XXXX has apparently created a credit line on my behalf and given money to an unknown person while simultaneously informing me they knew these charges were fraudulent. 

In turn I have received a bill collector notice for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage company ( XXXX ) over-charged my escrow account by $ XXXX per month for the past year. We stopped making payments and are a few months behind. 

In XX/XX/2023, XXXX sold my mortgage to Roundpoint. 

I asked Roundpoint for an escrow analysis and they said they can not do one on an overdue mortgage. They confirmed they paid our 2023 taxes, which leaves us with a $ XXXX escrow overage. 

Roundpoint told me that I have two options to get an escrow analysis : 1 ) Pay the incorrect past due amount in full.

2 ) Agree to a loan modification based on the incorrect past due and incorrect monthly payment.

How is this even legal?

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 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Back on XX/XX/XXXX I started a membership with XXXX XXXXXXXX that was for a month-to-month non-contract membership. It was to be taken from my checking account. The first payment I made was for {$39.00} on XX/XX/XXXX. The second payment was a month later on XX/XX/XXXX to continue my membership. Three days later on XXXX XXXX XXXX They made a charge of another {$39.00} as it is for one of there upcoming fees. On XXXX XXXX XXXX  they made another charge for {$72.00} as it was an enrollment fee. On XX/XX/XXXX another payment of {$39.00} was charged. On XXXX XXXX XXXX  another {$39.00} was charged and again on XXXX XXXX XXXX  {$39.00} was charged. During the month of XXXX, I went to XXXX XXXX in person and spoke with a manager about canceling my month-to-month plan. I then filled out a cancellation form. I was told there would be no hidden fees or penalties. After the month of XXXX I stopped seeing money being taken out. 
Now, during the month of XX/XX/XXXX I received a letter by mail, claiming that I owed money to ALDOUS & ASSOCIATES for an unpaid debt. I sent a letter back trying to dispute the charge. Today I received a call from them claiming that I owed money and would be reported to credit agencies if the debt went unpaid. I would like to dispute this charge because I do not have any debt with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MO

Complaint narrative:
Closed this complaint with a different response that's worded differently but says exactly the same as all the others which explains nothing

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 2024-01-10 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: CA

Complaint narrative:
Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The Experian and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX Balance : {$0.00}.

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 2024-01-09 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: FL

Complaint narrative:
Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX XXXX XXXX on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my Experian credit report originating from XXXX XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting.

Details of the Disputed Inquiry : - Creditor : XXXX XXXX - Inquiry Date : XX/XX/2022 - Credit Bureau : Experian Basis for Dispute : I have meticulously reviewed my credit report and can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed.

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 2024-01-09 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: AL

Complaint narrative:
Checked my credit report on XX/XX/2024 and to my surprise there were several INQUIRIES that do not belong to me and I would like them removed asap. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: VA

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 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2024-01-10 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: VA

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 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company received a fraudulent application for a credit card on XX/XX/25. They were one of XXXX banks that received an app fraudulently and by far the worst to work with to resolve the issue. I wish to report the application as fraudulent, make sure no other actions were taken on my accounts, and have the inquiry removed from my credit report. 

I called to speak to a person. Struggled with their automated system multiple times. I was transferred between representatives 5 times on XXXX call. I asked to speak to a supervisor and the rep promised the transfer would be successful and to the right person. Sent me to a closed department. They gave me numbers where the only options were to hear why an application was denied, on repeat, or to end the call. I told the XXXX rep she was difficult to hear because her voice was muffled and she talked over me and transferred me to a dead end department. Their negligence in being able to accept a call and address this issue is to a level that I believe it to be intentional.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America disclosed my credit card information to XXXX without authorization. I do have a relationship with XXXX but I am not contractually obligated to XXXX. As a result of an unrelated fraud event, my credit card was replaced. 

XXXX attempted a charge and the charge was declined. Subsequently, Bank of America provided the correct credit card information to XXXX and they charged my account. 

Bank of America is pointing to the terms and conditions as reason for the unauthorized disclosure. However, I am not contractually obligated to XXXX and there is no agreement for continued services.

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