vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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:
What happened? 

I am filing this complaint because XXXX is continuing to report my credit card utilization despite my explicit instructions to opt out of such reporting. This unauthorized reporting is negatively impacting my XXXX XXXX. I have requested XXXX to stop reporting this information, but they have refused to comply. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

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 2024-05-23 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: FL

Complaint narrative:
What happened? 

I am filing this complaint because XXXX is continuing to report my credit card utilization despite my explicit instructions to opt out of such reporting. This unauthorized reporting is negatively impacting my credit score. I have requested XXXX to stop reporting this information, but they have refused to comply. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
What happened? 

I am filing this complaint because XXXX is continuing to report my credit card utilization despite my explicit instructions to opt out of such reporting. This unauthorized reporting is negatively impacting my XXXX XXXX. I have requested XXXX to stop reporting this information, but they have refused to comply. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

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 2024-05-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX has responded on XX/XX/XXXX complaint # XXXX. Company has advised validation of debt letter has been sent on XX/XX/XXXX. I have never received this letter therefore I do not consent or agree to the assumption of this debt being owed by myself. I dispute all parts of this debt as your company has never provided information by usps mail neither now or have I received anything on XX/XX/XXXX. As advised I have verbally through dispute advised XXXXXXXX XXXX XXXX is in violation as it has been provided that this account is in litigation. As your company will be able also responsible for not acknowledging this guideline per the FDCPA. I advise all parts of this alleged debt be removed as you have not provided proof or provided written validation of this debt pursuant to the FDCPA on debt validation. Failure to continue to furnish my consumer report all violations shall be brought up in a lawsuit with the company. Equifax has not fixed the error of this reporting to the consumer report. As advised to Equifax the company XXXXXXXX XXXX XXXX has my information illegally and without my consent. An FTC report has been filed for XXXXXXXX XXXX XXXXXXXX attempts to collect on a debt that is not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuse to update the correct balance that my creditor furnish to them. I paid off the entire balances on 2 of my XXXX accounts and paid down a 3rd XXXX account significantly. My creditor XXXX furnished this information to all 3 credit bureaus on XX/XX/XXXX. Two of the bureaus ( XXXX, XXXX ) updated my balances accordingly within 2 days, but For some reason Equifax refuse to update my file by keeping the old balances- why is that?! When I called Equifax, the rep couldnt provide any logical explanation other than try to blame the creditor, which clearly is not true since the other bureaus are reporting accurately. Im in the process of purchasing a mortgage so I cant afford to file a dispute to update balance on these cards which can take up to 30 days, I just want Equifax to report accurately the information that the creditor provided in a timely manner. Equifax also decided to change my XXXX XXXX XXXX card payment status from 5 YEARS AGO in XXXX  from 120 days to 150 days which also affected my score. The creditor did not just randomly decided to update this information on a closed account from 5 years ago, this was done all by Equifax as the other bureaus did not change. It seems as if Equifax focuses more on any factors that negatively impacts my score. Taking forever to update my paid off balances but randomly changed payment history on a closed account from 5 years ago. Lastly, only on Equifax where something as small as a dispute remark will drastically decrease my score. I truly look forward to the day when our nation address this horrific crisis that pertains to our credit bureauss lack of competency, inconsistent reporting, unfair and unethical practices- starting with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-05-23 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: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I had paid off my Avant Card and a few days later tried to log in to check on my account. I was unable to. I received an email from Avant that my email had changed. I immediately called them to report that I had been hacked and to shut down this account. I was told they did and that there weren't any charges to my account. A few days later, a charge for {$500.00} appeared on my card to XXXX  XXXX in XXXX CA. That is NOT my charge. I requested to have it removed from my account. They would not. I was told there is no fraud department. That I had to wait 10 days to see if it drops off. If my payment becomes due by that time, I'm required to pay the minimum amount on a charge that's not mine in order to not destroy my credit. They refuse to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2024-05-23 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: Foursight Holding LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my XXXX Credit Report made by Capital One. On reviewing my credit report, I noticed that there was a hard inquiry made by Capital One on XX/XX/year>. I am not in possession of any new Capital One cards and I have not applied for one, nor have I authorized anyone on my behalf to do so.

The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my XXXX Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected.

Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
My mortgage company is committing fraud and charging me more money than the projected escrow. 

I purchased a property in XXXXXXXX XXXX  in XX/XX/XXXX. I financed the purchase with a 30 yr mortgage with a conventional mortgage. 
The mortgage company is Penfed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Telephone XXXX XXXX XXXX At closing the mortgage company collected {$5000.00} as a buffer for escrow. My property taxes for XXXX are {$920.00}, and my insurance is {$870.00} which totals to {$1700.00}. At the end of XXXX, after many phone calls they refunded my escrow account and I recieved about {$4000.00} in XX/XX/XXXX. 

For XXXX, Pendfed is collecting {$530.00} everymonth which totals to {$6400.00} which is XXXX times what was used by the mortage company last year. The property insurance has already been paid for XXXX to XXXX. 

I have called the XXXX XXXX XXXX XXXX and they have indicated that they do not forcast an increase of XXXX times the current value. I would expect a buffer of maybe double which would amount to be about {$4000.00} per year. 

I also looked at my neighbors property which is assessed for more than my property, built by the same developer but two years worth of data ( parcel ID XXXX ), and it shows that there was no increase in the payment and they also pay approximately {$950.00} in property taxes. 

From my interaction with Penfed they are potentially discriminating against me also as person of color with a foreign sounding name as I have clearly provided them with data about the tax rates in the county including my neighbors. An additional fact is that XXXX XXXX, XXXX has the lowest tax rate in XXXX and also in the XXXX. 

I have neve rmissed a mortgage payment, and I have automatic payment setup through my bank for martage.

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 2024-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received your responses dated XX/XX/XXXX, and XX/XX/XXXX, stating you need my identification which I've already provided with previous disputes. I have a late payment on an account that was paid on time. The consumer reporting agencies should report all information with complete accuracy, this account has not been late on payments. 

See attached identification and copies of these complaints for the following : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX Late payment ( 30 days Late - XX/XX/XXXX ) XXXX  Account : XXXX Late payment ( 30 days Late - XX/XX/XXXX ) Im requesting you investigate the below accounts and update these payments to be paid on time immediately. 

Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX XXXXme and my partner went into Wells Fargo to get a personal loan to combine our credit cards together. The banker was very very helpful she did her best to help but we were denied and there were no explanation to as of why. We had and still have good credit the source of income was there but they couldnt not provide a reason and this was around the time weve notice it was due to a race issue. I did have a Wells Fargo savings and credit card with 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 explanation
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-23 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-23 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: CA

Complaint narrative:
Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened 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