vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NV

Complaint narrative:
Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Equifax and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, XXXX XXXX XXXX XXXX ( A ) ( XXXX ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, XXXX XXXX XXXX XXXX states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to specific purposes. It seems like Equifax and XXXX might not be maintaining these reasonable procedures. 

Last but not least, XXXX CFR XXXX states that a consumer can exercise the right to opt out at any time. So, just to make it crystal clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 non-monetary relief
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
I looked at my report and on XX/XX/2023 I sent a letter to XXXX, eqifax and XXXX XXXX to reinvestigate my 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 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 has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 non-monetary relief
Consumer complaint received 2024-01-30 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Someone tried to open an account in my name at Old Navy ( Barclay Bank ). I contacted the credit card company and notified them these were opened without my permission.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : 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 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove this account quickly under 605B. It's not mine, and its presence on my credit record upsets me. I urge the company to remove it promptly.

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 2024-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I emailed XXXX XXXX from Better Mortgage regarding the discrepancy between the funds I was to receive upon closing of {$840.00} ( per XXXX XXXX 's email on XX/XX/XXXX ) and the amount due on the day of closing of {$81.00}. XXXX XXXX had informed me via email that " The portal account is not always updated with the latest figures so you would want to go by what you see in closing documents and what we have mentioned which you would be set to receive the additional funds. If you did give notary a check, that will be sent back to you or you can also cancel it. ". By the time I received his email, the check was already processing and could not place a stop payment. The loan amount also changed on the day of closing from {$140000.00} to {$140000.00}. On XX/XX/XXXX, the day before funding, I was referred to XXXX XXXX to straighten out this issue. The contact I was given at XXXX  XXXX did not respond to two of my emails, so I reached back out to XXXX XXXX who got me in contact with XXXX XXXX at XXXX XXXX, who emailed me today ( XX/XX/XXXX ) that they were unable to help me and to contact Better Mortgage. XXXX XXXX from Better Mortgage has yet to provide me with an answer as to the discrepancy of the loan other than " I believe the discrepancy may have been an additional item being paid off from your tradelines so I just want to confirm if that is the case first between title and our team. ", on XX/XX/XXXX. I feel that this violates the Truth in Lending Act by misrepresenting the loan amount and funding details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There was a charge for {$12.00} for XXXX XXXX on XX/XX/XXXX on my XXXX XXXX XXXX with TD Bank . I was not aware of the charge as I had not approved of any charges to this account. This account was {$0.00} balance for over a year. I found out when I saw that my credit score went down. I went in and made the payment to mitigate any further damage to my score. Over the past year ( it has been longer now ), I called XXXX and also TD Bank to resolve the unauthorized charge. I created this account back in XXXX when I got my cell phone in XXXX. I never enrolled in XXXX XXXX. By XXXX, I no longer had this phone. I was told by XXXX they would remove the random charge but nothing has been done. I told the bank this was a fradulent/incorrect charge but they keep pushing it back to XXXX saying to resolve with them. Neither is providing any adequate assistance in either removing the charge or providing me with support that this charge was authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I sent in an early payment last month to Bank Of America ( XXXX checks as XXXX checking accounts are used to pay my bills ). This should have zeroed out the balance on my account. True to form, this was just too complicated for BofA. This payment did not get there in a timely manner so I had to have my bank -- XXXX XXXX XXXX- stop payment on these XXXX checks and I issued XXXX new checks to cover the previous month 's balance and addition charges as I am considering cancelling the credit card. BofA is just too difficult to deal with... XXXX XXXX was only able to stop payment on XXXX check and now BofA claims I owe them the amount of the check that was not stopped. I have already paid that amount and even more with the second set of XXXX checks!!!! BofA will not return my phone calls nor answer my emails! Please help!!! I had a credit of {$1800.00} and now they claim I owe {$780.00}. What a mess!!!

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company 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 XXXXXX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My legal name is XXXX XXXX XXXX. XXXX XXXX XXXX is not a name I have used. 
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 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
In XX/XX/year> I paid off an account owed to XXXXXXXX XXXX XXXX through its billing vendor, Medical Data Systems ( MDS ). Due to numerous errors on MDS part, the auto draft on my account was never stopped. My bank account was drafted in XXXX, XXXX, and XXXX. I called every month and talked to numerous representatives about this. I was able to get a refund for XXXX and XXXX, but I have been fighting with this company since XXXX to get the payment the wrongfully took yet again in XXXX. I have spent hours on the phone with these people and can not get my money from them. An employee yet again made an error in XXXX and instead of issuing a refund, issued a credit. Since XXXX I have been waiting for that error to be corrected. Every time I call, I am told the situation will be escalated and I should have my refund in 7-10 business days. It has been well beyond that and I have been more than patient. I deserve to have my money refunded immediately. The procedures and customer service of this company are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/23 a dispute letter was mailed to equifax which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
All these accounts that do not have information that I do not know and are in my report I do not want them, I have reported them many times 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 2024-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX is the mortgage holder of my XXXX loan. I pay my mortgage like clockwork through my chase account. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  I receive a bank statement telling me that I am in default on my loan. I don't get upset, I check my chase payment records, then I go online to my XXXX Mortgage and my online account is current. 
This morning I have spent XXXX hours trying to research my own mortgage account with extreme XXXX of the hands and this company has no customer service line for the disable. I have re-aged accounts on my credit reports from all three agencies, I did not receive any financial relief during the pandemic, but these agencies did, yet I CANT EVEN BE TREATED FAIRLY WITH MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: KS

Complaint narrative:
On XX/XX/2024, I had hundreds of small dollar transactions authorized on my bank debit card. The last four digits of the card are XXXX. The amount of the transactions range from under {$1.00} to just under {$4.00}. In total, there are approximately {$1100.00} in charges that were debited from my bank account. 

I contacted XXXX ( MetaPay ) on XX/XX/2024 at approximately XXXX XXXX  CT and gave all of the transaction information to their call center. A case number was not provided. By XXXX XXXX, I received the following email. 

The charges do NOT appear in my XXXX account. Therefore, I am unable to dispute the charge online. 

Hi XXXX, Hi and thanks for contacting Meta. Unfortunately, we aren't able to locate any charges that match the information you've sent. Can you double check that the date and amount of any charges are correct, as well as the first and last XXXX digits of the card number? 

Please note that if there is another person who has a card on the same account, they will often have a different last four digits. 

We`re sorry for any inconvenience this has caused and we'll look into it as soon as we receive this information. 

Thanks, The Meta Pay Team

Company response to consumer: Closed with explanation