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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To All Concerned Parties : This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SD XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX XXXX. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( XXXX ) and it's guidelines to permissible purpose and the Privacy Act of XXXX. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section XXXX imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against Experian for failing to respond to my dispute letters concerning errors on my credit report. Despite my diligent efforts to address these inaccuracies, I have yet to receive any acknowledgment or resolution from Experian.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. Additionally, if the disputed information is found to be inaccurate or can not be verified, it must be corrected or deleted promptly. 

XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Please delete it if there is no proper verification given for this account. 

XXXX XXXX  XXXX : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX XXXX XXXX : Account number : XXXX, Unauthorized account reporting. Erase the account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, This account was not authorized by me. It is automatically unverifiable because I have to give purpose for any account reporting. As a result I believe this is reporting in error. Erase the account from my credit report. 

XXXX XXXX : Account number : XXXX, If the credit limit is a fixed amount, why is it showing a higher limit in highest balance if i only have access to a specified credit limit. This is clearly an error. Delete the account. 

XXXX  XXXX : Account number : XXXX, The highest credit limit is reporting inconsistently and inaccurately to each bureau. This is clearly an error that has not been addressed. Delete the account. 

XXXX  : Account number : XXXX, There shouldnt be any late payment on a paid account. Update this on my report. 

XXXXXXXX XXXX XXXX : Account number : XXXX, The balance owed is inaccurate. I believe this account to be unverifiable due to me not having an agreement with this agency. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I believe that I am a victim of predatory lending due to a low credit score at the time of financing. I financed the vehicle in XXXX of 2019 for around {$29000.00}. As of recent, I still owe {$25000.00}. Monthly payments are {$670.00}. Multiple occasions throughout the loan, I have fallen behind, and the company has admittedly violated the Fair Debt Collection Practices Act. The company has called me up to XXXX times an hour, daily, emailed me 3 times a day. The company has disclosed my account status to a reference on my loan. I called to complain and the supervisor listened to the call, agreed it was a violation and gave me a XXXX month extension to smooth things over. Each time that I have faced financial difficulties, the company has violated the FDCPA. This, in addition to what I believe is predatory lending, has led me to submit a complaint, in hopes that this company and their lending and collections practices can be looked into. Due to the predatory lending, I will never be able to pay this loan off. It has been 5 years and I have paid off less that {$4000.00} of the principal balance. In addition, when I have fallen behind, they use harassing collection tactics in order to get a hold of me. No other company that I have a loan with behaves this way.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX and I am an employee at XXXX. I came to the United States in XXXX and worked at Pennsylvania XXXX University before joining XXXX in XX/XX/XXXX. Since arriving in the XXXX, I have maintained a clean credit and spending record. However, I have encountered difficulties in getting approved for a credit card. 
Last year, I applied for a XXXX XXXX credit card, and this year I applied for a XXXX Bank credit card, but both applications were denied. To understand the issue, I obtained my credit reports from XXXX and Experian. 
Upon reviewing the Experian report, I discovered several significant errors. 
Firstly, under personal information, there is a record for someone named XXXX XXXX, which is not a name I have ever used or known. Secondly, there is an address listed as XXXX BLUE XXXX XXXX XXXX, XXXX XXXX, PA XXXX, where I have never lived. Additionally, the birthdate in the system is shown as XXXX, which is incorrect. More troubling is the record of an unpaid collection from XXXX XXXX XXXX XXXX ( Account number XXXX ) for {$160.00}, an account I have no knowledge of or association with. 
In contrast, my XXXX report does not show any such debts or errors. I am confident that the incorrect records in the Experian report are the reason I have been unable to obtain a credit card, significantly impacting my life in the XXXX. I have tried contacting Experian customer service but have been unable to reach them. Therefore, I am reaching out to you for assistance. 
Attached, please find the reports from both Experian and XXXX for your review. 
Thank you very much for your help! 
Sincerely, 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
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: IL

Complaint narrative:
I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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: OH

Complaint narrative:
TransUnion shows a creditor, XXXX XXXX XXXXXXXX, on my credit report. I disputed the debt twice with TransUnion and they reported it as accurate. I contacted XXXXXXXX XXXX XXXXXXXX and they told me the information is now with OMG, a debt collector, and gave me their phone number. I contacted OMG and asked for verification of the debt. They sent me to somebody who offered to settle the debt at 40 % and remove it from my credit report. I asked for verification of the debt and they told me they would have to request it from XXXX XXXX XXXXXXXX. The person I spoke with said they would request verification from XXXXXXXX XXXX XXXXXXXX. I called back to XXXXXXXX XXXX XXXXXXXX and they said OMG has all of the documents. According to OMG, the debt is from XXXX but on my credit report it shows as XXXX. Nobody has provided any verification of the debt and all of my phone calls to XXXXXXXX XXXX XXXXXXXX were made on XX/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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Received calls and emails from company during the initial days of my 15 day grace period to pay my bill. Also, received an email AFTER ( I received NO PRIOR NOTICE ) the company dropped my max limit for my card by XXXX received this email on XX/XX/24. Obviously, this XXXX drop on credit limit keeps me bound to making higher payments in such ways where I will never be able to pay-off and close this card. Absolutely unfair, unlawful, predatory lending tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
In my complaint XXXX the company flat out lied saying that I called before they were open. I am including a screenshot of my account showing they were in fact open.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX  my credit score.

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

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: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I reached out to Amscot and told him what happened with their ATM machine. They told me to go through my financial Institute which was XXXX XXXX. They're both sending me back-and-forth and no one has solved this. They told me I just need to wait and on XXXX XXXX solve it, but it was there machine, that didn't disperse the money that's why XXXX XXXX won't pay

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are a series of inaccuracies on my consumer report from all the collection accounts open dates and close dates amount in which dept is owed, current employer and laws that are broken by these collection agencys when it come disclosures.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX My husband XXXX XXXX who is a Veteran, and I purchased a home. Our Lender is Wells Fargo Loan # XXXX. The home was for XXXX we put XXXX down on the loan which we did not have to because my husband is a veteran. We owe XXXX as of XX/XX/XXXX. 

We have repeatably asked if we could be responsible for our own taxes and insurance ( setting up our own escrow account ) instead of them paying it for us. They have said no each time and said that for the life of the loan we have to let them pay it for us. 

In our loan documentation under escrow account the paper states that we can pay directly and it also states that we may be able to cancel our escrow account, but if we do we must pay the property taxes directly. 

We are only asking to be able to set up our own escrow account and pay our bill directly. 
I called VA and they said that there is no reason why Wells Fargo is trying to stop us from doing this. If we would have known that we would later not be able to pay our own escrow when we purchased we would have set it up then. We feel like they are trying to dictate to us how we are to spend our money and this does not seem a correct way to do business with comsumers. 

Please assist us with what recourse we may have. Thank you for your time and assistance with this matter. 

Best Regards XXXX XXXX Veteran XXXX XXXX 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
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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft, Im not sure who is using my information but this is just continuing to happen to me. I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. I have no connection with any account listed. 


I filed out a police report, and an identity theft report. I filed court paperwork as well please help me I have no knowledge of any of these accounts

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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank held my money which caused account payment to be returned and over the limit. I i made a payment when i found out and brought it back into good standing within 1 day. they then closed the account and said the XXXX reward points would not be redeemable

Company response to consumer: Closed with explanation