vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: WA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-09-20 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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-20 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-20 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 did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have for over a year ( XXXX ), and I have been asking/requesting XXXX  XXXX to remove the unrestricted block on the accounts I paid off and place them back in active status. Also, I have asked/requested that the financial institution remove the many late fees they have continuously placed on my account during these unforeseen financial hardships I have experienced. The bank representatives have refused to assist or work with me during these challenging times. This has mentally and emotionally affected my health and financial credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
This is regarding my Experian credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX XXXX based my credit history report from Experian. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to XXXX XXXX is being reported as opened XX/XX/XXXX Experian website is not allowing me to dispute because of article XXXX. my XXXX XXXX reported by Experian was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting Experian to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to Experian via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also Experian is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXXXXXX XXXX and I need this loan to secure housing.this are the tel # 's. I tried for Experian. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with Experian.

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 2024-09-20 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: IL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-20 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: NY

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-20 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: OH

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington mortgage added XXXX 90 days late on XXXX and XX/XX/XXXX. During this time I was on forbearance that started on XX/XX/XXXX with deferred payments until XX/XX/XXXX. Before I started on forbearance the agent from Carrington stated that during my forbearance period I do not have to make a payment and that I should shot see any late negative impact on my credit report. I have since sold my home in XXXX and this is preventing me from buying another home. I called Carrington mortgage to have them fix this with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: WA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX  LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX  and should be blocked immediately. 

Accounts to be Blocked : 1. World Finance Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX documentation ( from a federal, state, local, or tribal governmental entity )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I went to bank of America in XXXX, Virginia branch back in XX/XX/year>. I was told you can talk to the Merrill representative to get higher interest. I made appointment and talked to the representative. Even though, I had a check with me, she told me to get cashers check and come back. I went another day with the cashiers check for XXXX, and I was given a XXXX envelope and, ship the check by going to XXXX store. I did as I was instructed. In the meantime, she was so determined to make me open another bank of America account and credit card, just because you have this large amount of CD you do not have to maintain minimum amount. I did open the account and credit card. 
I wonder why they have not contacted me about my CD maturity, I went to same branch. I was told the CD was never open, because you did not come back to open the CD. Which I was not aware of at all. She said I left you a message on your phone, which again never got. I did not get any email or letter. 
I put the complaint and a representative who investigate my case told me, it was not her obligation to email or write you a letter, she is allowed to call just one time. There for it is my fault that I did not get the message. She knows I went there to open a CD but did not have the time to contact me. After they use my money for more than a year, they can not honor the interest. This is not an ethical practice in my opinion to the big bank like Bank of America. Could you please investigate on my behalf and make aware of other people, especially the minority community who are English their second language. 
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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The late payments reflected on my account do not align with my consistent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I paid off my vehicle at XXXX Mazda XXXX XXXX on XXXXXXXX XXXX XXXX. On XX/XX/year> I received a text message stating I had an overdue bill. I called Mazda Financial to sort it out and they said they dont have my payment of over {$19000.00} ( with state taxes fees they are due to receive just over {$17000.00} ). When I asked why not, the agent informed me the dealership JUST requested a payoff on XX/XX/year>. I explained its not my responsibility to figure out when their dealership sends over the payment, thats an internal issue. The agent told me to wait XXXX days to follow up with Mazda Financial , however Im concerned they will mark my credit as late when in fact the payment was delivered 4 days prior to the final day of the payoff ( XXXX XXXXXXXX XXXX ). Why is a dealership allowed to hold onto my money ( collecting interest Im sure ) while my credit is at risk of being damaged?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AL

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I've made multiple attempts to address fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have seriously disrupted my life, causing major XXXX XXXX XXXX I must emphasize that I never authorized or agreed to have this information linked to my name- I'm a victim of identity theft.

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 2024-09-20 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: IN

Complaint narrative:
I have no connection to the listed creditors, and these inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I applied for a credit card with Lowes online on XX/XX/year> and was immediately denied access to my credit. I called Lowes credit customer 's service to request information regarding the denial and was also denied this information over the phone. I was told that I must await the denial letter that would come to me via postal mail and/or email delivery. I asked to speak with the underwriter and was told that they were not able to contact the underwriter and there was no contact telephone number that they could provide for me. Lowes is in violation of my consumer rights to access my unlimited credit according to 15 USC 1611.

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