vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2023 from Equifax Information Services LLC stating that they were unable to locate a credit file in their database with the identification information I provided. I provided Equifax with my Social Security Number and Driver 's License number. I decided to go on to their site and I looked at my personal information and someone at Equifax went into my business profile and retrieved my XXXX number and put it in. They had no right to go into my business profile because I am not applying for anything pertaining to my business let alone erasing my S.S. number and putting in my XXXX. What they have done has to be unlawful. My business profile has nothing to do with my personal profile. I want to know why my information was changed along with why my business profile was accessed. The last XXXX numbers of my XXXX are XXXX. 

Equifax also keeps changing my address. My Credit File dated XX/XX/2023, has my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my XX/XX/XXXX correspondence has my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

My hope is that CFPB will help me and put a stop to what is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Penfed was contacted via email/phone on XX/XX/2023. In response, an Penfed instructed me to send a Hardship Application to XXXX along with supporting documentation. I was sent a response of the application requesting documentation that was not clearly specified on the application. And one in particular was a request of medical documentation during XXXX, as I had constracted the virus temporarily unable to work ( XXXX XXXX XXXX ). 

I replied giving a statement asking to please specifiy what kind of documentation that isn't infringing on HIPPA laws as it is my right to privacy. I also, sent over documents showing that I am on government aid and assistance. I was given 10 days to respond only be rejected within said time period with no further explanation other than you didn't gather all the documents. Upon taking a closer look, says OR and I sent an exceedingly amount of information to help them make a decision during my crisis. 

During the time of my sickness XXXX XXXX, I was not able to make payments nor did I have the ability to afford my loan. I had called requesting assistance only to be misdirected and avoided. I also, incurred hundreds of dollars of late fees as well as autodraft REJECTION fees. The rejection fees as I understood it were from an autopay that never fully processed. Something that I personally disconnected online when I was no longer able to make payments. Which didn't stop incurring fees even after the account was closed. 

The rejection fees were brought their attention when I noted that these were not your standard late fee payments and requested for these payments to be removed. They removed one payment only and the interests have increased significantly. I really need some help and unfortunately this companies ethics is deteriorating.

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 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Received phone call from XXXX XXXX, fl. Someone phishing for information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
As stated before, im Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX, XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered.where is the contract that i signed with professional debt mediation and the ledger that they are attempting to collect debt from me for. where did this balance come from that they have placed on my credit. i have no contract with this company. I have not contacted this company at all. please show me proof of the contract that i have signed and where i contacted this company. this is FRAUD. i do not have legally binding contract with Professional Debt Mediation. Again I DO NOT HAVE A LEGAL BINDING CONTRACT WITH PROFESSIONAL DEBT MEDIATION. Therefore anything they have place on my credit is considered FRAUD. Any information they have including my birthdate, social security number, addresses that was supplied to this company is also considered a breach of contract with anyone. Why would my person information be given to anyone that I do not have a contract with? Their are plenty of federal and state laws against this. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
through XXXX XXXX I was offered a new loan with a new interest rate with a company called Rate Genius which based off the information XXXX XXXX had they said I was pre approved. I entered all information they requested, address, car, I uploaded proof of insurance, ID, registration and my income of {$52000.00} for last year! With that information I was given an approval and a rate of 9.49 % which was Lowe than my current 14 % with XXXX. They told me my payment would go from {$620.00} - $ XXXXapx and all they needed to do is run us a hard credit check. I have a XXXX credit score which is in the lower good standings but Good. A representative from the company Rate Genius XXXX XXXX mailto : XXXX XXXX called me to verify my information. And said she will get back to me. Rate Genius made it seem as if I was going to be approved with all the correct and current information I have them. XXXX messages me via text and then asked if I can get a co signer, which I dont have or want. The application made it seem I didnt need one. So I got a response email from Rate Genius stating that I DIDNT WANT TO GO THROUGH WITH THE LOAN which is the not case, XXXX is the one who said that my payment would be more than what Im paying now and they cant help me! 

Im upset because they were miss leading regarding saying they can Lower my payment. And leading me to do a hard credit check hurting my credit score. If I knew they were lying I would have never ran my credit through them. 

Im also reporting that they did nothing to help or guide me to someone who can help! XXXX was quick to call me for verification of information and quick to text me if I had a co signer, but when i text her for information to home office or customer service she ignored me and left me on read What can I do about this and report Rate Genius as a misleading company? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted several disputes to the credit bureaus equivalent, XXXX and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately XXXX tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
I made a purchase to XXXX online, I never received my item. I reached out to the merchant for tracking and it was provided. On the XXXX day after making the transaction my tracking updated that it had been delivered 4 hours away from my address and which is the address I provided for it to be delivered to. I made this purchase on XX/XX/2023. I have disputed it multiple times with Cash App and have gotten the same denied message afterwards. I work in the disputes department for a large bank and know that this is not how it should be handled and this is not how someone should be treated trusting a bank with their money. My purchase amount was {$39.00}. I provided my invoice, and the tracking given to me by the merchant and I was still denied my money back from my trusting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
I had an account with XXXX Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. XXXX did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

So, I request CFPB to help me resolve this issue since creditor has not at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: FL

Complaint narrative:
I made a complaint about dis company before late payments on my credit file XXXX XXXX XXXX self leader credit builder account they reply back by saying they will remove XXXX late payment and put close and pay as agree it's still showing a late payment history on my XXXX credit report and it's still hurting my score also I have there credit card and XXXX balance is wrong and the account is closed and it's reporting as open with a late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
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 non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. The inaccurate information continues to do harm to my credit. 

Kindly update or correct the payment history of these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX, I received a collections notification from a company called Hunter Warfield stating I owed XXXX XXXX XXXX {$450.00}. I spoke with a representative on XXXX via phone at Hunter Warfield to ask what this was for and was told it's my final bill. 

I never received a final bill and have an email thread confirming that XXXX XXXX XXXX never sent the final bill to me. They sent it directly to a collection agency without giving me the opportunity to pay for it. 

I believe this was intentionally done to hurt/harm my credit and future housing opportunities. 

Only {$58.00} of the bill is for utilities such as sewage, water, and pest control. The other {$400.00} is for removal of items left in the apartment which my deposit should partially cover.

Company response to consumer: Closed with non-monetary relief