vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : 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 XXXX XXXX XXXX XXXX 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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Request for Debt Validation or removal from credit report over 30 days ( no reply from debt collector ) Debt is still present on my most recent credit report Alleged Debt is not Known and not Validated via my written request via certified mail This Debt Collector has made false claims on my credit report Filed a complaint viXXXX XXXX -issue left unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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:
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 XXXXXXXX Account NumberXXXX 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 XXXX 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 2023-12-01 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:
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 XXXXXXXX Account Number: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 XXXX XXXX XXXX which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2023-12-01 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
XX/XX/XXXX I logged into the Amex app to check my XXXX XXXX XXXX. I noticed my credit score was abnormally low so I requested within the app to see my full credit report. I was prompted to provide my last four digits of SS card I did and I was given access to the full credit report.I can see they were display XXXX XXXX XXXX. Birth year XXXX. Current address. XXXX XXXX XXXX XXXX XXXX, XXXX, NM. And more detailed information as past inquiries, open accounts, balances, etc. 

My name is XXXX XXXX, XXXX birth year. 

I contacted Amex through their chat option requested an Actual agent not robot to inform them what was happening. I was told They would fix it. come Monday I am still able to view. 

Tuesday I am still able to view. I also called XXXX. This connected me to an experian agent. Who verified my personal information and confirmed I indeed am not seeing my credit report details but an other individuals info. this agent transferred me to Amex customer service agent. I explained the situation to them. They said that the corresponding department is closed for the day provided me with XXXX. They said this is American Express credit bureau unit but they are currently closed. 

XXXX  I called the XXXX XXXX number and talk to a lady from the business side and explain to her the situation. She emailed another department and said someone will be reaching out to me. 

Thursday I am still able to view XXXX XXXX Credit report through amex app and no correspondence with any AMEX representative. 

Friday, XX/XX/XXXX I am still able to view XXXX XXXX credit report, and still no correspondence with AMEX. 


My worries are someone is viewing my credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a mobile number with XXXX XXXX for several years but rarely used it. Early this year I tried to close it by doing each of the following ( sometimes multiple times ). Visit to store, call customer service, chat sessions with customer service. This account had never been in arrears and has been unused for most of XXXX. Not only has the account remained open, twice now, after my requests to close, it I get emails saying it has been reopened. 

Furthermore, they have continued to accrue charges and have now turned that over to collection agency. My credit rating is well over XXXX and I do not want this to impact that. Ironically, my last request was in written/ mailed format. The response I got was another collection notice and a " congratulations, we restored your line '' email. 

It almost seems that the policy at XXXX XXXX is similar to the cases where a company intentionally makes it difficult or impossible to discontinue service. 

Thank 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 explanation
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
I am writing this letter in regards to the XXXX inquiries on my credit report. These inquiries are all XXXX and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: WI

Complaint narrative:
Subject : Formal Complaint Against Experian Information Solutions Inc. for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian Information Solutions Inc. for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description.

Despite my dispute submitted on XXXX Experian Information Solutions Inc. has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Experian Information Solutions Inc. adheres to the FCRA. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX refunded me XXXX to correct an issue on a purchase in which they over charged me as well as fail to provide me with all the items I purchased from them. Capital one reversed the credit and are telling me I am not due that credit. XXXX  XXXX XXXX denies reversing the charge, and says that the issue is with capital one, not them. Capital one will not correct this, and talks in circles with no valid explanation, and refuses to give me back the credit I was given from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Lakeview Loan Servicing LLC ( XXXX ) had a security breach in XXXX, 2023 that resulted in all systems being shut down. 

Upon calling the company to update payment information, I was told that all we can do is log your call. 

Then systems went online again around XX/XX/2023. On XX/XX/2023, I attempted to update my bank account information again. 

The online payment service will not allow me to use XXXX XXXX  ( Routing # = XXXX ). This is highly inconvenient because this bank works with XXXX, a property management software. 

XXXX setup a payment method via XXXX Bank, and I attempted to make a payment, only to be told that something went wrong. Please try again later. 

I then tried again later and got the same message. 

I attempted to call Lakeview during business hours, but no matter what extension I used, Lakeview stated that its [ employees were not available ]. 

I tried to make payment through the telephone payment service ( Using Thread Bank Account ), but this payment attempt failed. 

I am being forced to default on a mortgage payment because this Loan Servicer cant get their act together. 

Please help.

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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
We are getting charged on the daily like a credit card, but this is on motorhome which is currently our primary living space. And it's being charged daily we feel like this will never get paid off. 
After purchasing the motorhome we have a lot of problems with it. 
The day we signed papers at XXXX XXXX, they kept saying you have to sign these papers otherwise we will sell it to someone else and you will lose your Deposit. She said that America First Credit Union was the one that financed us and they are a great credit union. 
It was close to the end of the day so the lady told us what papers say and you can trust us. 
We never got papers that day to read over it. We never got to test drive motorhome. Because motorhome wouldnt start they said someone left lights on. So they would give papers when we come back. 
Came back they had motorhome running. I decided to shut it off and turn it back on it did not start. So their mechanic looked at and said the alternator wasnt working and he would fix it. 
So we had to wait another week. 
Came back again and again it was running. So shut off but this time it ran. We told them we never got to test drive it. They took us on our test drive, and went into a parking lot. Then I got to drive it.

Seemed fine.

So we took it home. Papers were in glove box of motorhome. We figured they were so accommodating fixing we didnt even think of reading papers, plus was so excited to have the motorhome. Two days later motorhome would not start called them they said come pick up a new battery. Picked up new battery noticed it only has a one year warranty. They said thats all they could do. 
Since then things on motorhome keep breaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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 Number: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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was asked to be contacted by mail only. I sent them a letter dated in XX/XX/2023. The company had an employee look up my personal information online on XXXX to get my employer information and contacted my job about this debt owed. I have a screen shot of them looking up my personal info online. This is harassment and I would like the accounts removed from my credit report because this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Earlier this year, XXXX or so my card was compromised by someone who charged air fare, cruise ship charges, XXXX charges, etc. TjMaxx is the issuer of the card. I had been getting a lot of fraudulent transactions therefore they cancelled my card. Prior to this they kept issuing me new cards. Each time they were compromised even before I received the new card in the mail. I called their fraud department at which time I was told I was not responsible for the charges in question. They have never gotten back to me concerning there charges so I assumed all was taken care of by the fraud department. These charges were made In California, I havent left the state of Georgia in at least 3 years. 
Now I am being billed for these charges, after calling their fraud department, I have been put on hold for quite a few moments and the last time I stayed on hold status for over XXXX hour at which time I hung up. I do not owe these charges and do not want to continue this fight for collection.

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 2023-12-01 00:00:00
Product: Credit reporting 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:
on XXXX XXXX  I called XXXX  asking them why they reported me 30 days late when i havw been making payments every month. I have the XXXX app that i used to make payments every month sometimes i will even make twice amonth.I spoke to the supervisor XXXX  of XXXX and i explained my situation that I went by what the app will tell me to pay when i said that the app automatically took out that account that i was reffereing too, I went to my computer and I couldn't find the account. I called them back to resolve this problem they said that I couldnt resolve because I filed for bankrupcy, I told them I never filed for bankruptcy they wouldnt provide me with any information, I requested a copy of the supposely file records they said they cant provide me with that. 
I spoke with XXXX from bankruptcy dept. from XXXX today XX/XX/XXXX  he gave me the lawyer that supposely i file bankruptcy with XXXX XXXX ( XXXX ) XXXX I called spoke with him and he didn't know anything about this claim. there was no record about any of this on my name. I really don't know what to do at this point.

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 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
y recived a copy of my credit report and i noticed XXXX accounts the are not mine

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 2023-12-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
y recived a copy of my credit report and i noticed XXXX accounts the are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I had this account on my credit report that was not open by me. This has hurt me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation