vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: MI

Complaint narrative:
I sent a few investigation request letters but never received any response back from the credit bureaus. This is a violation of my rights under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-03 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NCB Management Services Inc.
State: TX

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. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX NCB MANAGEMENT SERVICE : Amount : {$4700.00} Account # XXXXXXXX NCB MANAGEMENT SERVICE : Amount : {$1400.00} Account # XXXXXXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # XXXX, 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 an account without my written instructions 15 U.S.C 1681 section 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 2024-07-03 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: Portfolio Recovery Associates, LLC
State: TX

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. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX XXXX XXXX XXXX : Amount : {$4700.00} Account # XXXX XXXX XXXX XXXX : Amount : {$1400.00} Account # XXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # XXXX, 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 an account without my written instructions 15 U.S.C 1681 section 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 2024-07-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-03 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:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

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 2024-07-03 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: MI

Complaint narrative:
I have a letter from XXXX and XXXX indicating they are deleting their unverified and illegal debt from my credit reports. I attempted to upload this to transunions website and can not. This is a critical document needed to support a fair investigation. 
I called them and was told to mail the document but this is time sensitive and their inaccurate reporting is directly and exclusively precluding me from obtaining housing which I can verify with written adverse action declinations from landlords. 
I requested to provide the document electronically to better accommodate my XXXX recognized XXXX and was again refused. They told me to use the federally funded CFPB to subsidize the workload and that you can provide them the document and thus, here we are, that's what I'm doing. 
I would also like to file a complaint against transunion for knowing reporting false information and intentionally impeding a fair investigation

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 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
My ex-wife and I purchased a house back in XXXX time frame. She was the primary loan holder and I was the secondary. We divorced in XXXX of XXXX  and I did a mortgage assumption from her. We closed and signed all documents on XX/XX/year>. I attempted to create an online account to manage my loan but am being told that for security purposes I can not create an account because it is an assumed loan. I'd like to be able to view my mortgage details and set up automatic payments securely through a portal rather than email forms with my personal data on them back and forth with an agent.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2024, my account balance closed at a negative amount {$140.00} due to 5 transactions that went through that day for which I did not have a sufficient amount in my checking account to cover. On XX/XX/XXXX XXXX XXXX XXXX, I deposited {$190.00} to rectify the {$140.00} overdrawn amount from the prior day. According to your piece of mind policy, I was expecting to see the {$170.00} overdraft fee refunded to my account on XX/XX/XXXX, and it was not. I contacted customer service and was told that due to other transactions that went through on XX/XX/XXXX, my account even though I made the deposit to cover the prior day 's overage by your piece of mind policy, I can not be refunded the {$170.00} overdraft fees. So your peace of mind policy is a disingenuous attempt of giving your customers any piece of mind. In fact, it is fraudulent and misleads your customers by being touted as an incentive to do banking with Citizens. this peace of mind is proudly displayed at any branch location I have visited. The transactions that went through on XX/XX/XXXX should then be subjected to that same policy for your peace of mind policy to be genuine. I should not have had to cover the amount of the overage from the prior day plus cover the amount from that day 's transactions to be eligible for the refund of the {$170.00} overdraft fees, in this case, from the prior day. To be truly authentic, those transactions that went through that day should need to be covered by the following day by XXXX XXXX. I should not have my eligibility to be refunded the overdraft from the prior day be voided because I had additional transactions go through that day. Those transactions should be under the same peace of mind policy. Therefore those transactions should need to have their amount covered the following day by XXXXXXXX XXXX which I have already done today for it to be a policy that truly is a benefit to your customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-03 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX - XXXX i took a second look a my credit report and this account above is still not being reported accurately. Its showing that this account was charged off but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates for Experian its shows Charged off for XX/XX/XXXX, XXXX XXXX XXXX but for the remainer of the year no data is avaliable. XXXX reports charged off for XX/XX/XXXX and XX/XX/XXXX and for the remainer of the year there is no data avaliable XXXX shows no readable data at all for XXXX. I'm now requesting you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand this payment be update to paid on time immediately. Thank you for your understanding and prompt action

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 2024-07-03 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: NY

Complaint narrative:
I am writing to formally lodge a complaint against the three major credit reporting agencies : XXXX, Equifax, and XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. 

XXXX Violation : Non-mailable Address : XXXX has listed a non-mailable address on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. This is not my address and needs to be removed immediately. 
Equifax Violation : Incorrect Spelling of Employer : Equifax has incorrectly listed the spelling of my employer as " XXXX XXXX. '' The correct spelling is " XXXX XXXX. '' This incorrect information needs to be corrected immediately. 
According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( XXXX ), it states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' As these agencies are reporting inaccurate information, I have the right to have them removed and corrected. 

Unauthorized Inquiries : XXXX, Equifax, and XXXX have also allowed items to be placed on my credit report without my permission. There are a large number of inquiries that have been furnished on my credit report that I do not recognize and have not given my written permission to add. This constitutes inaccurate reporting backed by 15 USC 1681b Permissible Purposes. I noticed these unauthorized inquiries on my report in XX/XX/year> and have since filed a report with the FTC regarding these unauthorized actions. 

Failure to Correct Information : According to 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. A month ago, I tried to have these items removed, but the failure of these agencies to correct the misinformation on my report in a timely manner violates this code. 

Requirement to Follow Procedures : Under 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of incorrect addresses and misspelled employer names indicates a breach of this obligation.

I request that these inaccuracies be investigated and corrected promptly. Furthermore, I seek the removal of any unauthorized inquiries and a review of my credit report to ensure all information is accurate and fair as per the guidelines set forth by the FCRA.

All inccorect addresses, spellings and inquiries I wish to be removed are attached and highlight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Theyre trying to charge me monthly fees and take money out of my bank account but I am unemployed and dont have it in my bank account and cant pay them monthly fees with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
An unknown person and/or business fraudulently added my name without my permission as an authorized user on a CITI CARDS/CBNA credit card ( Partial acct # XXXX ). The current balance is approximately {$12000.00} dollars. I called and reported this information together with fraudulent addresses listed on my credit report to all three credit bureaus. I also contacted XXXX  XXXX ( XXXX ) to have this information removed. However, they did not have me listed on the above-mentioned account. 
It should be noted that the above account was removed by XXXX and XXXX, but XXXX dispute results stated the information was verified as accurate. THAT IS IMPOSSIBLE! I have NEVER authorized or given permission to anyone or any business to add my name as an authorized user on the above-mentioned account. Today, XX/XX/year>, I refilled a dispute with XXXX.

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 2024-07-03 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:
I wrote XXXX, XXXX XXXX EQUIFAX requesting an investigation into items that are reporting in Violation of FCRA and FDCPA Regulation 's on my credit report. To XX/XX/year>, I have not received a reply from them pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracyTransport Services or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information to XXXX, XXXX XXXX EQUIFAX. I have responded again on XX/XX/year> and request that you reply within a reasonable amount of time. Since this is my 3rd request, I've made sure to also send a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. THESE INACCURATE ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY. 

XXXX. Validate this non XXXX XXXX compliant account. XXXX Account Number : XXXX XXXX. Delete this account because of potential HIPAA violation I did not give consent for my medical records to be given to a third party XXXX XXXX  XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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:
I wrote XXXX, EXPERIAN XXXX XXXX requesting an investigation into items that are reporting in Violation of FCRA and FDCPA Regulation 's on my credit report. To XX/XX/year>, I have not received a reply from them pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracyTransport Services or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information to XXXX, EXPERIAN XXXX XXXX. I have responded again on XX/XX/year> and request that you reply within a reasonable amount of time. Since this is my 3rd request, I've made sure to also send a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. THESE INACCURATE ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY. 

XXXX. Validate this non XXXX XXXX compliant account. XXXX Account Number : XXXX XXXX. Delete this account because of potential HIPAA violation I did not give consent for my medical records to be given to a third party XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. XXXX XXXX Account Number : XXXX

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 2024-07-03 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: CT

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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