vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Good morning my name is XXXX XXXX I am having problems with this credit card company called Fortiva.I had this credit card almost 2 years in XXXX  I had fallen on hard times I maxed the card out in XXXX of XXXX  It wasn't no problem when the card was maxed out and I struggled a little to make payments so they charged late fees over the limit fees so when I got back on my feet I paid the credit card down to XXXXThis when the problems started I spent a little credit then paid it right back I didn't want to keep a high balance.I been trying to make a payment they won't let me I sent them my ID, Lease, pay stubs, W2, selif, water bill, cell phone bill, everything matched.I order a new card and updated my cell phone number once I paid the balance down to XXXX they say I committed fraud.I am trying to figure out how I can't get this company to be transparent about anything every time I call they have me hold for 30 -40 mins I asked them what proof do they have they can't tell me anything beside say it's fraudulent because I updated my cell number I did change my address I didnt report my card lost or stolen I didn't report any fraudulent active I did ask my card to be locked or my account.I have XXXX children XXXX old XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX years old I work full time job.This company want me to send information in which I did, I don't have my # SS card nor do I have the time to go stand in line for hours just trying to get a copy of my SS card.I can see if I wasn't making any payments always late always maxed the card out then penalties me but why penalties me when I made payments on time and paid my balance down where is the reward for doing that instead they want to bring my credit score down, they thought I was a easy target because I had not so good credit.This credit card company came looking for me sent me offer to my place of residence I didn't come looking for themthey didn't ask for any ( # SS, pictures ID, any water bills they didn't ask for anything they just wanted me to sign up for the card when I did the was qick to activate the card now they see I was a easy target someone they couldn't take advantage of and I make my payments on time now its a problem they won't let me make payments even though I have the money in my account.Im asking the company to let me make my payments and stop trying to hold me back.I wouldn't recommend ( Fortiva ) credit card for anyone they out here trying to take advantage of people with not so good credit but when u trying to improve your score they want to be your nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I called Experian and spoke with a representative named XXXX. After back-and-forth banter I asked for the verification method used to verify my dispute as I am allowed per FCRA XXXX declined and said that Experian does not abide by that. Asked to speak to a supervisor, and was taunted by him, saying. what are you mad you didnt get the answer you wanted after that, I continue to ask for a supervisor after going back-and-forth he finally transferred me to the supervisor the supervisor who picked up the phone call was XXXX. I politely conveyed my concerns and asked for the verification method used to verify my dispute. She then became very irritated and agitated with me and said the same thing XXXX said that Experian does not provide that information. It is my belief that XXXX and XXXX are familiar with each other And spent time on the phone before I was transferred conspiring not to help me after XXXX declined to provide me further information. I notified her that I would be filing a complaint with the CFPB. We disconnected the call and an hour later I received a call it was from XXXX, this time she was polite and ready to help but I believe she was just trying to save face so I didnt name her in this complaint. 
The true issue is there is an account on my credit report from possible financial that is displaying inaccurate information after trying to get this corrected. I was not seriously by experience per FCRA. 1681B. States Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning th individual about whom the relates. Experian did not do this. 
Per my payment history, it shows that there were payments made in XXXX, but the account allegedly was not open until XXXX as it is shown in the document but when I called and spoke to representative the next day, she said the first payment wasnt made until XXXX at this point there is no accuracy or credibility

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 2024-02-28 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: TN

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-02-28 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: AZ

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-02-28 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: FL

Complaint narrative:
XXXX XXXX is reporting a account on my credit reports that I did not open I want my right by fair credit XXXX for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, XXXX, and XXXX being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer report
ing agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither Equifax, XXXX, nor XXXX, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of Equifax, XXXX, and XXXX 's reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Experian, and XXXX being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither XXXX, Experian, nor XXXX, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX, Experian, and XXXX are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of XXXX, Experian, and XXXX 's reporting 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
Consumer complaint received 2024-02-28 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: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX SS : last 4 - XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please update the following accounts as paid, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: WA

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-28 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: IL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: LA

Complaint narrative:
I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: 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.

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 2024-02-28 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: 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
Today ( XX/XX/year> ) I received a phone call and XXXX from the number ( XXXX ) XXXX. The XXXX was generic and said I owed a debt and threatened legal action if I didn't call the number back. I did so and spoke with someone ( a woman with an American accent ) claiming that I owed a debt from Lending Tree and that they were going to garnish my wages at my place of employment, if I didn't pay immediately. Not only have I never done any business with Lending Tree, but also they wouldn't provide me with any info about their company, including the company name or address or specifics about the debt. After asking for those minimal details, and being called names like sassy, I was hung up. I called the number back and a different person answered, and again I was hung up on when requesting the name of the company. When I called back a third time, the call was not picked up and instead sent to a XXXX. On the XXXX the person said the company name of XXXX. I tried googling this company but nothing came up. I don't know if this is a legitimate attempt at debt collection. There was never any advisement that it was an attempt to collect a debt on the XXXX and I have no way to dispute the veracity. The first representative claimed they mailed me a notice in XXXX and listed a previous address of mine. I need to dispute this but have no way to do so. I am concerned this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX. XXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.

Company response to consumer: Closed with explanation