vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Attached is an Identity Theft Report with following fraudulent inquiries listed on my equifax credit report. 

Equifax Fraudulent Inquiries XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a bankruptcy reporting to my equifax and XXXX credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it equifax keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through XXXX. On XX/XX/XXXX a 11:30XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, XXXX was notified and XXXX insurance sent a check to XXXX for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that XXXX put {$23000.00}. I called XXXX and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for 7-10 years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by farmers that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.

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 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
Ive tried countless times to get respite from Lexis Nexus with reference number XXXX. The website gives me an error message, the phone service doesnt identify my responses nor my voice. An option to speak to a person alive is not available. I need my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 has violated my rights. 

15 U.S.C 1681section 602A. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 602A. 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 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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Every month I pay MORE than the minimum requirement on my mortgage and have been doing so for over 15 years since I want to reduce the principal faster. 

Recently I have been sending in payments that are twice the size of mortgage payment. Bank of America arbitrarily has decided to split these payments into two separate monthly payments against my wishes and against my instructions. They say because my payments are coming from third parties their system sees it as two payments and does not reduce my principal as I desire. When this happens I have to call Bank of America to have it fixed. Since I will be doing this on a regular basis, I will need to call every month which is an undo and unnecessary burden on me. By doing this B of A also assure that they will collect more interest on the account since the principal is not reduced. 

I have tried to resolve this with them and have spoken to XXXX XXXXXXXX XXXX in the Wealth Management Client Care Executive Escalation team. He just keeps repeating the same thing over and over. He won't say they can't help me ( I'm sure he has been instructed never to say that ) and can not fix this problem. A company that is as big as B of A should be able to help me but they will not. 

I repeat, I am trying to pay EXTRA on my mortgage but they are making it very difficult as they are making arbitrary decisions on how my payment is allocated and they will not fix it nor will they admit that they will not take any steps to fix it. They put the burden on me to call and have it fixed. When this happens, they will NOT reissue me my monthly statement. I have to ask them to tell me what the new mortgage payment is. This is truly insane. 

B of A speaks out of both sides of their mouth. If I send in {$2000.00} on a required {$1700.00} bill, the system processes the additional amount correctly. The {$300.00} goes to reduce the principal. If I send in {$4000.00} only {$1700.00} goes to the monthly payment and they split out the {$2300.00} for the following month Finally, my mortgage is a variable rate that is tied to XXXX and B of A has not informed me of how this change is being handled given that XXXX does not exist. 

Thank you for you help on 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 2023-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I informed you that this debt accrued to do fraudulent charges. I also reminded you that under the Visa Zero Liability policy I was not liable for fraudulent charges, which I had also informed to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XX/XX/2023 my TransUnion Credit Score dropped from XXXX to XXXX  because there wasn't enough information on a loan I supposedly have. I don't have XXXX XXXXXXXX XXXX right now, I'm not applying for loans, and their credit report on me correctly shows I have no loans. I would like my old score returned to reflect the fact that this information they think is missing doesn't exist.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a bankruptcy reporting to my XXXX and Experian credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it XXXX keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX I noticed a hard inquiry on my credit report for a credit card application from Barclays Bank Delaware. I had not sent an application and promptly contacted Barclays bank that day. I was told I had made this application but I was able to prove I had not. Barclays agreed it was fraud and they would cancel the application and mark as fraud. I heard nothing until XX/XX/2023 I received a letter from Barclays Card services wanting more information for my Frontier Airlines Mastercard. I again contacted Barclays who said they have no record of this application, I read the application # XXXX to them which they accepted and said that application was cancelled. I informed I had a hard inquiry from them on my credit report that was identified as fraud and needed this inquiry removed from my credit history. I was told this was my responsibility and I could sent documentation to initiate a investigation. They had in their record that the app was fraud but insisted my credit report was my responsibility and all they could do was investigate to determine status. I need inquiry removed from 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 2023-02-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681section 602A. 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 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 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX  {$540.00}

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over XXXX points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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 pulled my report and still see the accounts that I have been disputing still appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed from my credit report ASAP.

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 2023-02-13 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: EQUIFAX, INC.
State: CA

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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank isnt reporting my mortgage payment to XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: SC

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. THEY DO NOT BELONG TO ME. CHECK FTC REPORT FOR ACCOUNTS. 


CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

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