vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : USDA RURAL DEVELOPMENT Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The creditor is XXXX XXXX - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. Equifax has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
My XXXX credit report continues to show an account that I did not open. I filed a police report in 2022 concerning identity fraud related to this and other accounts. 

This account/debt is with CREDENCE RESOURCE MANAGEMENT , a collection agency. 
account # XXXX balance : {$10000.00} XXXX XXXX listed as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/23 @ XXXXXXXX XXXX  STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXXXXXX XXXX XXXXXXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WV

Complaint narrative:
I changed my legal name due to the need for concordance between my name and my gender as a XXXXXXXX woman. I updated all of my identity documents and informed Discover Card of the change onXX/XX/XXXX by phone at which time Discover Card required no verification. A few weeks thereafter I received a request by XXXX on behalf of Discover for me to sign a pre-filled 4506-C form " for the purposes of identity verification '' and was threatened with account closure if I refused. I signed the form and then noted that Discover Card had incorrectly pre-filled the form. I called their Customer Service and was redirected to their security department, explained the situation, and received another pre-filled form which was also incorrect, which I signed. This occurred several times. I eventually received an email that their review had been concluded successfully. 

Over two months later onXX/XX/XXXX I received another request from XXXX on behalf of Discover for a 4506-C. I contacted Discover and was told that the message I received about the conclusion of the account review was not accurate, and was again threatened with account closure if I did not comply. I signed the ( again incorrectly pre-filled ) form. 

During this entire debacle I did my best to comply with Discover Card 's instructions and demands and offered them alternate means of identity verification such as my Driver 's License, Social Security information, the court order for my name change, and other documents, which they refused, stating that only my IRS information was acceptable while Discover 's security department made it impossible for them to actually access the information they requested. 

On XX/XX/ I discovered that my accounts had been closed due to " inability to verify information '' when Discover literally made it impossible for me to verify the information to their satisfaction. 

I have been a customer of Discover Card for over four years, have never had a late payment, and have never given them any reason to believe that I was a risk. I had two credit card accounts with them, one of which they increased the balance of during the period they were reviewing my account, which obviously indicates I was an excellent and responsible customer. It is not clear whether they intend to honor the 0 % interest agreement they made with me when I opened the second account and for which reason I transferred balances. 

This seems like a clear case of XXXX XXXX, since the information requested could have been verified in innumerable ways, as could my income and any other information that Discover Card might legitimately need to complete an account review. It also feels like harassment, as Discover sent me a notice that they had completed the review and then demanded further review, as though they would continue with this process until they reached the conclusion of closing my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
im being charge a fee og XXXX every month even though ive used my card properly

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For more than 8 months ago submitting letters of dispute and any of the 3 credit bureaus are proper answering

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
Loan For XXXX is more than XXXX XXXX XXXX shouldn't be on my report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Experian & XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: WI

Complaint narrative:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit.

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status.

I have attached supporting documents that verify the inaccuracies mentioned above.

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law.

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above.

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 a or my account without my written instructions.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

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 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
This account has been unauthorized and illegally opened not by XXXX XXXX XXXX. Due to that this account needs to be removed ASAP from all 3 credit bureaus. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I requested a COVID 19 related forbearance on my government backed VA mortgage loan in XXXX of XXXX. I was told, at the time of my request, by PennFed Credit Union, that I was not eligible for a CARES ACT forbearance, that no such program existed, that I must provide detailed documentation to prove my hardship, and multiple other violations of the law and my rights. Following a full month of excessive and completely unnecessary stress caused by PennFed 's lack of cooperation and adherence to the law which resulted in multiple arguments with PennFed employees, they finally relented and provided what was due me by law and granted my forbearance in XXXX of XXXX. However they insisted I must pay the full amount due upon the expiration of the forbearance. This was another failed attempt by PenFed to dissuade me from exercising my rights under federal law. More arguing ensued and PenFed relented and decided to adhere to the law. Fast Forward and it's now 30 days prior to XX/XX/2023 ( the end of my initial forbearance period ) I requested a 180 day extension. This option is mine per Federal Law and VA policy which states, " ... The borrower may request an initial forbearance period of up to 180-days, regardless of the borrower 's delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrower 's request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrower 's forbearance rights .... '' Penn Fed refused my extension stating " PenFed submitted your request again to VA for exception processing for the possible forbearance extension. Unfortunately, the forbearance extension request was denied ( by VA ). '' The problem here is that the VA does not approve or disapprove a forbearance. Secondly the period for an initial request ended in XX/XX/2023 but I am already in my initial forbearance and I am requesting the 180 day extension afforded me by law not an initial forbearance which is no longer available. As of today, XXXX XXXX Penn Fed still refuses to assist me in this matter.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
My XXXX  credit card bill is {$550.00} my credit limit is {$300.00} and I have not used the card in over 8 months. ( Part of the time I was suffering from XXXX and was unable to keep up and I believe that the company took advantage of this fact. ) The over the limit information is being reported negatively on my credit report along with inaccurate information about payments being late. XXXXContinental Finance refuse to resolve the issue and I have tried numerous time to do this. Even though I requested duplicates of my bill for verification of the facts the company never provided me with them. 
Payments have been misapplied since XX/XX/2023. I made contact with the company several times in XX/XX/2023 and XX/XX/2023 and XX/XX/2023 trying to get the issue resolved. I complied with their request, made additional payments and supplied specific information regarding my bank account. to prove that the money was available for my payments. 
In addition in XX/XX/2023 I attempted to make yet another large payment to bring down the balance and requested that they waive all over the limit and late fees due to the circumstances the representative for the XXXX XXXXContinental Finance that claimed to be a supervisor, refused to process another payment over the phone and stated for me to wait for customer service to contact me with the resolution as they asserted that payments were returned by my bank. I waited and they never contacted me. 
Again I attempted to go online to make a payment and my information could not be found, I called in to the XXXX XXXX and was told at the beginning of the call that " THIS IS AN ATTEMPTTO COLLECT A DEBT! '' I requested to speak with a supervisor, the rep put me on hold and returned and stated I'm sorry your account has been sold! 

I told the representative that I did not want the account sold and that I would pay and I have been on hold for 55 minutes. As of the submission of this complaint no one of the XXXX staff has come to the phone to address my concerns.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX XX/XX/2023 This inquiry don't have permissible purpose to be on there .this hard inquiry is hurting me to get approve i already reach out to the credit bureau multiple times they keep violating my rights under 15 usc 1681b. XXXX XXXX XXXXXX/XX/2023

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