vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: TN

Complaint narrative:
I was called although I have no idea how this collection agency got ahold of my phone number but claimed to be attempting to collect a debt that was owed by my deceased husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Wrong items on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a charge of {$1000.00} dollars on deferred interest payments until XX/XX/XXXX. On XX/XX/XXXX I charged {$1400.00} to the credit card. Also another charge on XX/XX/XXXX for {$770.00} dollars.It was deferred interest until XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$4900.00} dollars and specifically requested that the amounts on deferred payments be paid first ( XXXX dollars total ) from that amount. However, I realized that on XX/XX/XXXX a deferred interest on the amount of {$770.00} was charged deferred interest for {$420.00} dollars I called them and was given credit. However, on XX/XX/XXXX I was charged with deferred interest on the other XXXX amounts, a total deferred interest of {$1300.00} dollars. I REPEAT ALL THOSE AMOUNTS ON DEFERRED INTEREST PAYMENT WERE PAID ON XX/XX/XXXX. THE CREDIT CARD REFUSED TO CREDIT THE DEFERRED INTEREST PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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:
Experian is reporting collections on my credit report, for accounts I am not liable for, nor signed contracts I signed for. 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 information concerning the individual about whom the report relates. Again, I do not have accounts with the following companies. 

XXXX XXXX XXXX acct # XXXX oriningal credit : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX original creditor : XXXX Bank

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 2024-05-30 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my XXXX file in XX/XX/XXXX, which only lasted a total of XXXX year. I also filed a police report on the night of the mishap ( XXXX XXXX ). XXXX overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a deep XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL XXXX credit Bureaus, XXXX XXXX department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been XXXX  years already. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. Dispute Letters were already sent.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. Dispute Letters were already sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Some time ago LVNV Funding placed a collection account on my credit reports for {$2600.00}. 

I do not have an account with this company and asked for a copy of any assignment or bill of sale or purchase agreement to them with my name on it. After many requests I still have not received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not responded satisfactorily to any of my request. Experian has violated my right to fair and accurate reporting pursuant to 15 USC 1681. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ), information requested was not provided in regard to the method used to verify the information being reported. Experian is in violation of 15 USC 1681a ( 3 ) ( e ) investigation relied solely on the furnisher and no personal interviews with anyone who may have first-hand knowledge of the transactions. Experian is in violation of 15 USC 168e ( b ) and did not use reasonable procedures to assure maximum accuracy of the information. Experian has not provided information obtained from furnisher verifiable proof of permission either verbal or written to report items on my consumer report pursuant to 15 USC 6802 and has violated my right to privacy. Experian has caused me financial and emotional hardships due to denial of credit that would be used for my personal, family and household purposes. Experian continues to ignore my request to correct these errors. Experian continues to provide inconsistent information on my report. Experian is in breach of a fiduciary responsibility to verify any and all information being reported and continues to slander my name which is published to the public

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid {$38.00} for prints, postage and envelopes to send dispute letters to TransUnion, XXXX and XXXX on or around XX/XX/year>. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid {$38.00} for prints, postage and envelopes to send dispute letters to XXXX, Equifax and XXXX on or around XX/XX/year>. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I started receiving a letter from Portfolio Recovery Associates , LLC telling me I owned {$18000.00} for purchases done in the store XXXX. I do not recognize the number of the account XXXX. The bother line is who used the credit card put my name and address and I explained to Portfolio Recovery Associates , LLC I don't know anything about this account and asked them to delete my name and address from there. Since 4 year ago, someone stolen my identity and I am still dealing with this. I just want to open a report to searching for help in this critical situation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, Ive noticed unauthorized inquiries on my credit report that I would like removed, and according to the FCRA, those unverified and unauthorized items must be removed I already reported the issue to the FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a hard inquiry on my XXXX credit report from Capital One. The inquiry occurred on XX/XX/year>. I have not sought to open any lines of credit through Capital One or submitted any applications to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
To whom it may concern, I recently reached out to my mortgage company ( Carrington Mortgage Services ) on how to go about cancelling my PMI insurance on the grounds that the LTV of my house far surpasses the minimum requirement of 78 %. As of today, I owe {$220000.00} on my house have an estimated home value ( as per the Carrington website ) of {$400000.00}.

I emailed the escrow department of Carrington to get the PMI removed for the above mentioned reason and even said if there was an additional principal payment I can make to remove the PMI now I would be willing. I received a letter back from them citing they could not remove the PMI due to the property being declared a disaster area by FEMA within the last 24 months.

This is the reason I'm reaching out for help to understand my rights and make sure this mortgage company is following the law. 

Any help you can provide would be greatly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF HAWAII CORPORATION
State: UT

Complaint narrative:
XXXX XXXX XXXX Received 2 letters from the bank. The first stating I attempted to open an account, the second ( XX/XX/year> ) stating that it was a fraudulent attempt using my personal or financial information and I should report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : 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