vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: OH

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my TransUnion and XXXX credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on 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 non-monetary relief
Consumer complaint received 2024-02-28 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: The Phoenix Recovery Group
State: AL

Complaint narrative:
notified credit bureau that an inaccurate account was reporting on my account. requested a thorough investigation and validity of debt info. Requested the account to be removed due to inaccurate reporting balance and account was fraudulent. XXXX notified me on XXXX that my investigation into this account had been verified and updated in a very short time of XXXX days. I spoke with XXXX XXXX and I was advised that I would need to contact the collections agency Phoenix Recovery and further dispute with them. I contacted Phoenix Recovery and I was advised that the dispute had just been sent over to them today on XXXX and had not even been investigated nor updated as of yet and was unsure as to why or how transunion would have sent out a dispute results. Account Person XXXX XXXX at Phoenix Recovery stated this via a recorded call. XXXX is not properly investigating credit disputes appropriately and legally. 


All parties involved have violated the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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.

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
My GM rewards card has a promotion every calendar year of make 6 utility payments and get {$100.00} statement credit. I have completed the offer terms as of XXXX. They emailed me the same day confirming I met the requirements and should see the statement credit in a few day which in the terms and conditions it says it will take up to 2 business days to post the credit. I have called 3 times and was told they would call me back in a few days with more info. I only got 1 call back in which I was told they are not sure what is going on and too give them a few more days. This was 2 weeks ago and I have heard nothing back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I consolidated my federal student loans in XX/XX/XXXX to apply for PSLF. PSLF application submitted XX/XX/XXXX. I have worked for the same employer since XXXX and made well over XXXX payments. Since submitting, I remain at XXXX payment counts. Payments from XXXX to XXXX remain missing despite having the same employer. I've spoken to Mohela who says they're waiting on FSA. FSA responded to my initial complaint saying Mohela has all the necessary information.

I have asked Mohela to process the payment information from FSA so that my counts can be updated. It is now XXXX months since application and I have not seen any updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Lakeview loan servicing first mixed up with the dates for my insurance so they could say that I didn't have insurance for XXXX  days and charge me {$160.00} from my escrow account when I did in fact have insurance for those XXXX  days. They have done XXXX escrow analysis on my account this month alone which has changed my payment XXXX times to the point where I do not know what I need to pay come the XXXX of next month. They were supposed to have a supervisor call me back but they never called so I had to call them multiple times to get any information about my account. They allowed me to pay to my escrow account a shortage amount while escrow account was having an analysis done on it so now they're telling me I have a secondary shortage that was not covered by that full shortage payment that I made. They're also telling me that XXXX XXXX XXXX in XXXX is when they're typically done but in XXXX they have already done XXXX escrow analysis and one I asked them if they will do XXXX in XXXX that could potentially change my payment yet again they said maybe. Also it seems like none of their employees have an understanding of their actual job.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, 2024 " opt out '' letter were mailed to the disputed companies Please See : [ letters are attached ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2024 " opt out '' letter were mailed to the disputed companies Please See : [ letters are attached ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by Citi card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, Citi had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from XXXX ; although Citi has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX Report which was based on XXXX 's report, have lowered my XXXX scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX  who notified me, not XXXX. I am very concerned, especially due to Citi 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe Citi is not practicing good business principles by authorizing credit increases when they are not requested.

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 2024-02-29 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I called to cancel my credit card on XX/XX/XXXX. The customer service representative refused to cancel my credit card. She indicated that the company would not cancel it until I paid the annual fee for the period of XX/XX/XXXX through XX/XX/XXXX. I noted that it is not XXXX and I have not received any services. The customer service representative said that it did not matter and they refuse to close my account until I pay the fee. I would like the company to refund the fee because they provided no services.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
my account has been closed and paid out and ive been waiting for it to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 2024-02-29 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 : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

RESIDENT VERIFY XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29 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: VA

Complaint narrative:
I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.

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 2024-02-29 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: VA

Complaint narrative:
I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability. 
I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than 30 days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), no tangible progress has been made in resolving this issue. 
In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing. 
Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue. 
Sincerely, XXXX 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 non-monetary relief