vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: GA

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 2024-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX is refusing to remove negative reporting on my credit report. after XXXX and district attorney conducted an investigation on a fraud and scam that i was a victim off. I have over 8 months trying to reach a resolution. 

numerous calls and emails. and negative reporting removal request. 

Im asking carrington for a cash out refinance of my loan and they are refusing due to the negative reporting they have on file for my loan. negative reporting they are refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' 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 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 2024-04-02 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: GA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' 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 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate and incomplete credit information on my personal report. The following accounts do not belong to me : XXXX XXXX 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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to bring to your attention unauthorized credit inquiries appearing on my credit report. Upon reviewing my credit report on the three-credit bureau XXXX I discovered several hard inquiries made on [ Date ] by various financial institutions, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my knowledge or consent. 

The unauthorized inquiries occurred on the following dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 1681b, these inquiries were made without a permissible purpose, as I did not initiate any credit applications or transactions with these institutions on the specified dates. Despite my efforts to resolve this issue directly with the credit companies involved, I have not received satisfactory assistance or resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized credit inquiries from my credit report as soon as possible. These inquiries negatively impact my credit score and financial standing, and I am concerned about the potential consequences if left unaddressed. 

Please find enclosed copies of my credit report highlighting the unauthorized inquiries. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX 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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was marked 60 days late for American Honda account # XXXX for the month of XX/XX/23 and XX/XX/23 respectively. I believe this was done in error and I am requesting the correction of the negative reporting on my credit. The car lease was initiated on XX/XX/23 and the initial monthly payment was paid at signing. However, the billing statements for XX/XX/23 and XX/XX/23 were sent to an erroneous address that I am NOT affiliated with whatsoever. I didnt receive them, and was not informed that the payments were due until I reached out to XXXX and inquired as to why I am not getting statements. 
I am not sure where this address came from and why the statements were sent to that address. As per my conversation with XXXX reps, the statements XXXX sent to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  an address I am not affiliated with. They said that the dealership put this address on the application, but the dealership denies putting this address, and they stated that they included the address listed on my driver license. 
The billing statement should have been sent to my home address, the address specified on my driver license, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Please note the attached driver license which clearly specifies my address as being the one listed above. 
The aforementioned late reporting occurred due to an error, and hence I am requesting the immediate correction of the negative reporting on my credit report as it is inversely affecting my credit profile. I didn't provide the incorrect address, and if the statements were sent to the correct address, the monthly fees would be paid on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
I checked my credit report, noticed there was a collection reporting from XXXX. XXXX XXXX, opening XX/XX/2024 with a past due balance for XXXX, XXXX for the amount of {$250.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXXXXXX they did not provide me with the original contract as I requested

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 2024-04-02 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
We have reason to believe that National Credit Adjusters LLC are in violation of the FDCPA and FCRA. Please cease and desist all communications regarding the negative account reporting from this company to the consumer credit report linked to XXXX XXXX, social security number ending in XXXX ; and delete this item from reporting to this credit profile as a privacy request under the GLBA/Regulation P of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX the buyer purchased my authentic XXXX XXXX XXXX XXXX mercari approved the return despite stating i felt the buyer was going to steal from me. i couldnt confront the buyer myself as mercari conveniently had my account banned for disputing a fake XXXX  charge so upon receiving my package since it was returned low and behold theres no wallet. i contact mercari and they say billing and payments my account is still currently banned so i told she would stole from me and mercari hasnt done a single thing about it. ive told them this would happen and to not approve the return for this reason they did anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am reaching out to request your valuable support regarding an issue I am facing with funds held by the State of XXXX, specifically under " Unclaimed Property of South Dakota ''. This situation arose after Citibank NA closed my checking account in XXXX due to a period of inactivity on my part.The funds in question represent 40 years of savings, intended for use now, in my retirement stage. The account was active from approximately XXXX until the aforementioned date. Throughout that time, I maintained a consistent relationship with the financial institution, as evidenced by records of various accounts I held during that period.I initiated the process to recover the funds, totaling {$45000.00}, in XXXX. On XX/XX/XXXX, the Unclaimed Property Department of South Dakota requested a Citibank statement showing the last account balance, as well as my address. I complied with these requests on XX/XX/XXXX, sending the required correspondence, which was received by the department on XX/XX/XXXX. However, the response has taken over three weeks. The reason given is that once the account is closed, I am no longer considered a bank customer, and the requested documents are held in another office to which I have no access. The lack of a timely response, in a modern and technologically advanced world, has left me feeling displaced and frustrated. Furthermore, I wish to express my concern, as I am a XXXX XXXX a widow, and this money represents my life savings, earmarked for my retirement. Additionally, I am facing a family emergency, as my eldest son requires costly XXXX  XXXX. The inability to access these funds was due to the lack of necessary documents, a situation exacerbated by the crisis in XXXX, which I have only recently been able to resolved. I am currently residing in Florida, staying with friends who have kindly supported me given my economic situation. My financial situation does not allow me to remain without a solution or access to my funds. My attempts to get answers have been fruitless, meeting with indifference and lack of response. Therefor I kindling request your intervention and support to to recover the resources for which I have worked and saved my entitle life for this time of retirement and now to be able to save my son 's live. 

I deeply appreciate your attention and I am grateful in advance for any support you can provide me. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 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 2024-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One reported an alleged debt to a third-party without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following concerning the individual about whom the report relates. 

XXXX XXXX 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 2024-04-02 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: GA

Complaint narrative:
I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR TWO YEARS ) ) Account Number : XXXX Date of Last Report : XX/XX/21 Date of Last Activity : XX/XX/21

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A collection letter was sent to my brother 's address which they claim was obtained as my address from " public records '' instead of my address which is. I notice that this company was already fined for such tactics in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$630.00} Pertaining to Account XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS

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