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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for credit with CITI and was denied App # XXXX & XXXX The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002

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 2024-04-04 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-04-04 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: HI

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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CBC Companies, Inc.
State: IL

Complaint narrative:
There was a inquiry on my credit report for XXXX XXXX XXXX without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXXXXXX XXXX without my knowledge on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have written many letters to LVNV to dispute this account that LVNV is reporting on my credit. I am not familiar with this accounts. I asked LVNV to verify this debt for me. They have yet to do so. I am at my wits end. they need to verify these accounts or delete them from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-04 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: FL

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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This complaint is for our small business XXXX XXXX XXXX XXXX ) company card .We have been communicating with Bank of America for two years trying to resolve this matter. We are consistently told it will be resolved, but to date it has not. 
We had two incidents of fraud : 1. The first is reflected on our XXXXXXXX XXXX statement in the amount of {$2600.00} 2. The second is reflected on our XXXXXXXX XXXX statement in the amount of {$10000.00} It took almost a year to get Bank of America XXXX XXXX the fraud charges, which they finally did. However, they only partially credited us for the fees and interest charged on these fraudulent transactions. In the time it took B of A to resolve the fraud, interest and fees accumulated, and continue to do so. This has been going on over two years, which means interest has continued to accrue. 

We have contacted B of A four times as follows ( see attached XXXX ) : XXXX spoke with XXXX representatives. The second person indicated they were able to " see '' the issue and calculated we were owed a credit of {$210000.00}. They indicated a credit would be forth coming. It did not. 
XXXX called again and referenced the above-mentioned conversation. Issued a ticket number. We waited another billing cycle. 
XXXX a repeat of the above. 
XXXX spoke with four representatives.

To date no letter, no resolution and the interest is continuing to accrue. Again, see attached for detailed conversation notes, names, etc.

NOTE : The card number has changed twice since the initial fraud due to the second incident of fraud, if relevant. Therefore, I am providing the account number here in case this is helpful : XXXX The credit card number that we are providing on the next page is one of our current card numbers since the cards that are the subject of this claim have been closed long ago and new cards issued.

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 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank ( XXXX 's store credit card ) is contacting me for debt that is about XXXX dollars. I spoke on the phone informing them I never received a bill and never received an actual account card with information to make an online account and pay my card. 

I'm happy to pay if they let me. 

They call an average of 4 times a day and each time they leave a voice-mail lying about why they are calling. 

Instead of saying they are calling about my XXXXXXXX XXXX card they say this ( exact voice-mail transcript ) : This is XXXXXXXX XXXX  calling . We want to connect with you regarding the tax refund you may be receiving. We would like to help you explore options we have during a limited time for tax season. Please contact us today so we can talk to you about a special option. '' I also started a debt repayment program ( XXXX ) who told me to block their calls ... but they keep calling on different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-04 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: DISCOVER BANK
State: IL

Complaint narrative:
There was a inquiry on my credit report for Discover Financial Services without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXX XXXX  without my knowledge on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered unauthorized accounts listed. I request the removal of these accounts, as they are adversely affecting my creditworthiness.

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 2024-04-04 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report, specifically about two 30-day late payments from XXXX. I am reaching out to request assistance in rectifying this matter. On XX/XX/2024, at XXXX XXXX I received communication from a supervisor at XXXX, XXXX, confirming that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team to be removed. It has come to my attention that these late payments were inaccurately reported and were, in fact, errors on XXXX 's end. Despite my request to have my card added to automatic payments, this was not processed as per the recorded conversations available. I have communicated with XXXX 's customer care team, including the supervisor mentioned above, who assured me that they would address this issue promptly. However, I am still seeing these erroneous late payments reflected on my credit report, which adversely impacts my credit score. 

I request your assistance in utilizing the provisions outlined in the Fair Credit Reporting Act ( FCRA ) to rectify this situation promptly. The inaccurate reporting of these late payments is detrimental to my creditworthiness and financial standing. I firmly believe that the evidence available, including recorded conversations with XXXX representatives, will substantiate my claim and warrant the immediate removal of these inaccuracies from my credit report. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure the accurate reporting of my credit history. I am prepared to provide any additional information or documentation required to support my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the accuracy and integrity of my credit report. Thank you for your assistance in this regard.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
1. company stated that i was late on a mortgage payment and i was charged fees for property inspection and a title search total fees charged extra was {$150.00}, call was made in XXXX regarding this charge, person on the phone stated that these where fees charged because i was late on a payment. i have not been late on a mortgage payment for past 2 years and would like the fees charged removed. 
2. i currently have a FHA loan with the same company and i am being charged a FHA loan insurance fee, currently our house is worth {$300000.00} but our loan amount is for {$130000.00}, we tried to work with the mortgage company to have this fee removed but they said that we had to do a new loan to have those charges removed - a new mortgage would cause a much higher interest rate and extremely high fees to complete a new mortgage charging us {$10000.00} in fees and charged to have the special FHA insurance removed. i always thought that the FHA insurance fee would be removed once we had a 20 % or higher loan to value. who is correct on this issue?

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I provided all necessary information to create a new account on the Equifax web site. The required confirmation code that was sent to my e-mail contained no code at all. I tried three different alternate methods to log in, and I received no further information on why they would not work. After calling three different numbers, I was finally able to connect to an agent that put me on hold for over 15 minutes and then told me that she was seeing an error message that " she has never seen before ''. I asked to escalate, but was almost immediately hung op on by a Supervisor who only provided the first name " XXXX ''. He barely let me explain the situation, and was argumentative from the beginning of our discsusion. 

I can not login to my account and can not freeze my credit report with Equifax, and find this completely unacceptable.

Company response to consumer: Closed with explanation