vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As a consumer, I have the right to have late payments not be reported. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the Consumer Law code 15 US Code 1681a. section 602 states I have the right to privacy, and section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX XXXX  has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX card. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX card has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX XXXX. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

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 ). 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 2023-12-24 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: LEXISNEXIS
State: GA

Complaint narrative:
I placed a Security Freeze on my Lexis Nexis/XXXX XXXX Report back on XX/XX/XXXX. If there is a Security Freeze placed on my consumer report, then Lexis Nexis does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed LexisNexis Risk Solutions Bureau, LLC and XXXX XXXX XXXX as their sources of reporting agencies. I have attached two documents : Proof that my Lexis Nexis Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that Lexis Nexis/XXXX were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the month of XX/XX/2023 should be updated to " paid as agreed and never late ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent XXXX, Transunion, XXXX, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a job and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent 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 2023-12-24 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: TX

Complaint narrative:
I sent XXXX, XXXX, Equifax, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: MI

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. 

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 has violated my rights. Or 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 2023-12-24 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: MI

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. 

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 has violated my rights. Or 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 explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the XXXX XXXX XXXXXX/XX/XXXX2023 should be updated to " paid as agreed and never late ''.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for XXXX XXXX XXXX XXXX  2023 should be updated to " paid as agreed and never late ''.

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 2023-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX XXXXXXXX. we applied for and got a XXXX Exemption. we asked CFPB to lower our escrow payment accordingly -- from about 8000/year to about2800/yearrr, with half paid in the first half of the year XXXX XXXX XXXX XXXX and half paid in the second half XXXX XXXX XXXX. 

They offer all sorts of flimsy reasons, but they have so far refused to acknowledge the change in tax rates properly.

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 2023-12-24 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: IL

Complaint narrative:
Review attachments Dear Experian XXXX Assistance, I trust this letter finds you well. XXXX XXXX XXXX XXXX XXXX I am reaching out to address certain discrepancies identified in my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I view these discrepancies as an account of services rendered inadequately and seek rectification. 
Enclosed with this letter, you will find what I refer to as " Counts, '' each representing distinct instances where I believe Experian has fallen short of its obligations under the FCRA. For the sake of clarity, I will refer to these " Counts '' as individual line items on this invoice. Please review the attachments to this complaint in its entirety. 
Invoice for Rectification of Fair Credit Reporting Act ( FCRA ) Violations Count No. Description of Violation Invoice Amount 1 Negligent Noncompliance with 15 U.S. Code 1681a {$12000.00} 2 Negligent Noncompliance with FCRA - Adverse Information {$12000.00} 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX in regards to not being able access my consumer  report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing XXXX  was saying. 
She stated I couldn't get access to my online report for another 30 days when the XXXX XXXXXXXX XXXX  report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the XXXX XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXXXXXX I told I have not got a report in XXXX years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a XXXX she connected me to XXXX  who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX  said They don't need to follow that process when I stated that 15 USC 1681b that they must have XXXX XXXX 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is XXXX  being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of XXXX recent and current XXXX XXXX XXXX {$23.00} XXXX. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need XXXX  to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to XXXX  yet my score with XXXX is XXXX They need to be shut down because clearly

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 2023-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unrecognized Hard XXXX  listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX  Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/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 2023-12-24 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: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
Review attachments Dear XXXX XXXX XXXX, I trust this letter finds XXXX  well. As a federally protected consumer, I am reaching out to XXXX  certain discrepancies identified in XXXX  XXXX  reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I view these discrepancies as an account of services rendered inadequately and seek rectification. 
Enclosed with this letter, XXXX  will find what I refer to as " XXXX, '' each representing distinct instances where I believe XXXX has fallen short of its obligations under the FCRA. For the sake of clarity, I will refer to these " XXXX  '' as individual line items on this XXXX. Please review the attachments to this complaint in its entirety. 
Invoice for Rectification of Fair Credit Reporting Act ( FCRA ) Violations Count No. Description of Violation Invoice Amount XXXX Negligent Noncompliance with XXXX XXXX Code XXXX {$12000.00} XXXX Negligent Noncompliance with FCRA - Adverse Information {$12000.00} XXXX XXXX  XXXX XXXX as attached

Company response to consumer: Closed with explanation