vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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:
In accordance with fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

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 2024-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On all 3 credit reports my XXXXXXXX XXXX  account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.

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 2024-03-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Submitted a XXXX XXXX payment via credit card using TD double up. Neither did moon pay nor TD disclose that this was a transaction that was cash advance related

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I tried to get an updated report on MyEquifax but kept receiving an error message. I reached out to Equifax several times and was advised my file has been duplicated and someone would get back to me. Still havent heard from Equifax and issue is still unresolved. Ive had MyEquifax for years and now there is no information like I dont have a credit file. Now I am not confident the items on my credit report or accurate as I havent been able to access my file in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} XXXX Defamation of character {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
On all 3 credit reports my XXXX credit account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.

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 2024-03-17 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: GA

Complaint narrative:
On all 3 credit reports my XXXX credit account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: GA

Complaint narrative:
My Veros credit auto loan is reporting a closed/charged off account & shows XXXX paid. I haven't missed a payment in 2+ years. Need this corrected since it is damaging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We have large purchase payment plans setup with XXXX credit cards we have with Chase. The stated interest rate is XXXX XXXX % however on XXXX of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other XXXX percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at XXXX % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were XXXX % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has kept these accounts on my credit report for longer than the law states in regards to a consumer. I have requested removal through the credit bureaus however these accounts have caused a great deal on consumer injury. My personal information have been involved in many data breaches and being denied credit rightfully due is wrong. Going back n fourth with these creditors and credit reporting agencies are not helping. They sent documents back saying verified when nothing have been done about these accounts they only remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: AL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I recently did an investigation of my credit report and found several items on there to be inaccurate. Under code U.S. 15 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following from my credit report immediately. I am not liable for these debits with the companies listed below. They did not provide me with the original contract as I requested. 

XXXX XXXX XXXX {$580.00} account XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} account XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$900.00} account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} account XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$820.00} account XXXX  XXXX Thank you, 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
Furthermore, as you can see from the information that I have attached to this complaint your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: GA

Complaint narrative:
My Veros credit auto loan is reporting a closed/charged off account & shows XXXX  paid. I haven't missed a payment in XXXX+ years. Need this corrected since it is damaging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/XXXX I was transferred from North Dakota to Texas and put my house on the market. We signed a contract on XXXX XX/XX/XXXX and the buyer applied to assume my VA loan. We were told it would take 90-120 days for an assumption to be approved. It was XXXX XX/XX/XXXX before we heard from an underwriter at Freedom ( we were previously told the entire assumption process would take between 90-120 days ), she stated she would keep us informed as the process advanced. On XXXX XX/XX/XXXX we heard from her again stating it would be approximately another 29 days for the initial underwriting decision and she would keep us updated, she also reminded us that assumptions take 60-90 days to complete once the initial borrower packet is received. The initial borrower packet was submitted on XXXX XX/XX/XXXX and had already surpassed that time frame. We next heard from Freedom Mortgage Assumption Dept on XXXX XX/XX/XXXX, from the second underwriter, stating approval had been received, so we assumed we would be closing shortly. On XXXX XX/XX/XXXX my realtor in North Dakota emailed me and stated the lender had contacted her and I must forfeit my VA eligibility at closing. I disputed that fact and the next day Freedom Assumption Department reversed that decision. We heard nothing from Freedom Mortgage Assumption Department until XXXX XX/XX/XXXX when the third underwriter was assigned. Despite several emails and phone calls that went unanswered from myself, my ND realtor and the buyer. This underwriter requested some more documentation from me. It's now XXXX XX/XX/XXXX and a fourth underwriter has been assigned and we still haven't closed on the house.

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 2024-03-17 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: MI

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MI

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.

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