vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Adverse Action Notice Regarding Violation of Consumer Rights by Capital One XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Capital One Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent denial of my credit application by Capital One. It has come to my attention that my fundamental rights as a consumer have been egregiously violated, depriving me of the God-given right to credit and undermining my ability to assertively manage my financial affairs. 

As a diligent consumer, I submitted my credit application with the expectation that it would be evaluated fairly and objectively, in accordance with applicable laws and regulations. However, the denial of my application without just cause represents a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial of credit not only impacts my financial well-being but also undermines my autonomy and dignity as an individual. It is my firm belief that every individual has the right to access credit on fair and equitable terms, without discrimination or bias. 

Furthermore, the denial of credit by Capital One represents a failure to uphold its responsibilities as a financial institution to serve the needs of its customers and support their financial goals. This action not only harms me personally but also reflects poorly on the reputation and integrity of Capital One as a trusted provider of financial services. 

I demand an immediate review of my credit application and a reconsideration of your decision in light of the violations outlined above. Additionally, I expect Capital One to take corrective action to ensure that such discriminatory practices are not repeated in the future and that all consumers are treated with the respect and fairness they deserve. 

Failure to address these concerns adequately will leave me with no choice but to escalate this matter to the relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused by Capital One 's actions. 

I trust that Capital One will act swiftly and decisively to rectify this situation and restore my faith in your institution as a responsible and ethical provider of financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Recently, without prior notification, PenFed significantly reduced my credit limit from {$3500.00} to {$500.00}. This action was taken despite my history of on-time payments and my near payoff of the entire credit balance. Upon contacting PenFed 's customer service, I was informed that an adverse action letter was issued ; however, I have not yet received any such correspondence. The lack of transparency and inadequate communication regarding this decision has not only been inconvenient but has severely impacted my financial standing and credit score by increasing my credit utilization ratio unexpectedly.

Concerns of Discrimination : The decision to reduce my credit limit without a clear and justified reason, and without proper notification, raises concerns about potential discrimination. This is especially pertinent as no substantial change in my financial situation would warrant such action according to the usual business practices. I believe this action may have been influenced by factors that could be deemed discriminatory under the ECOA, which prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in credit transactions. 

Impact : The reduction in credit limit has not only limited my access to credit but has unjustly damaged my credit score, affecting my ability to utilize credit resources effectively. As someone who has consistently demonstrated financial responsibility, this action feels discriminatory and undermines the trust I placed in PenFed as a financial institution.

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 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: FL

Complaint narrative:
I am writing to file a formal complaint against my mortgage company, Calcon, which bought the mortgage from XXXX, who bought it from XXXX XXXX ( all resold in under 3 years ) regarding what I believe to be predatory practices and a lack of transparency in their dealings with me as a customer. I have encountered several issues that have significantly impacted my ability to manage my mortgage account effectively : Double Coverages and Lack of Documentation : I believe the mortgage company has applied double coverages for XXXX policy and flood insurance at multiple firms despite my providing evidence of such doing. 

Account Access Disruption : On XX/XX/XXXX of this year, I discovered that my account access was disabled without prior notice or explanation. This disruption lasted for over a week, preventing me from logging in and managing my account online. As a result, I was unable to make a timely payment for the month of XXXX, which has had a negative impact on my credit and financial standing. 

Ineffective Communication and Support : Despite my repeated attempts to address these issues by contacting representatives in the contact center and escalating my concerns to higher-level personnel, I have encountered significant challenges in obtaining meaningful assistance. Calls have been frequently disconnected, and I have been transferred between departments without resolution or clarity on how these issues will be addressed. On top of all this, one of their senior staff contacted me pressuring me to refinance my loan from 3 % to 8 % and they would waive closing costs which just seem silly. This person at Calcon was fairly aggressive in pressuring me on the phone and saying that my mortgage would get resold if I did not refinance it and things would be very annoying for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-12 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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-12 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:
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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOEXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-12 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: WI

Complaint narrative:
I am writing to follow up on my recent dispute regarding the inaccuracies in my consumer report, as outlined in my previous correspondence XX/XX/2024 against XXXX XXXX XXXX XXXX Despite my initial efforts to rectify the discrepancies, I am disappointed to find that the information remains on my consumer report updated with inaccurate information being furnished. As such, I am seeking further clarification regarding the verification process employed by Experian. As per the Fair Credit Reporting Act ( 15 USC 1681i ), I understand that consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information contained in consumers ' consumer reports. These reasonable procedures necessitate a thorough investigation into disputed items, including but not limited to : Contacting the original source of the disputed information to verify its accuracy. Providing consumers with prompt notice of the results of the investigation. Making necessary corrections or deletions to inaccurate or incomplete information. In light of these requirements, I am requesting detailed information regarding the specific steps taken by Experian during the verification process for the disputed items in my consumer report. Specifically, I seek clarification on : The methods utilized to verify the accuracy of the information in question. Documentation obtained from the original source to support the verified status. Any discrepancies identified during the investigation and the actions taken to address them. The timeframe for completing the verification process and notifying me of the results. Moreover, I would appreciate a thorough explanation of how the verified status was determined for each disputed item, as well as any applicable legal provisions or internal policies guiding this determination. I remain committed to resolving this matter in a fair and expedient manner, and I trust that Experian shares this commitment to upholding the accuracy and integrity of consumers consumer reports. Therefore, I kindly request your prompt attention to this matter and a comprehensive response. Thank you for your attention to this important issue. I look forward to your prompt response and the resolution of these discrepancies.

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 2024-04-12 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. 
XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number : XXXX This inaccurate information only shows up on TransUnion file In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated 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 2024-04-12 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: MD

Complaint narrative:
There are items currently on my consumer report that are in violation of the Fair Credit Reporting Act. Please see the attached documents for the specific details. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX and 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