vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had 3 hard inquiries made by XXXX XXXX XXXX on XX/XX/2023. 
These three inquiries occuring on the same day should be listed as one inquiry. As you can see on the attached file, both XXXX and XXXX listed those inquiries as one per the FCA requirements. Experian is listing these hard inquiries as three which is hurting my credit score. 
I called Experian on XX/XX/2023 at XXXX and spoke to their agents XXXX. He refused to give me a reason why they are listing these hard inquiries as three instead of one event. He also refused to give me a case number or his agent ID.

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 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
XX/XX/2020 Amerassist AR Solutions is claiming that I'm in debt to them in the amount of {$1500.00}. 
They have placed this debt collection on my credit report without my written permission. I have never done business nor have I agreed to any pay for services with this company. 
The account number they have listed is XXXX According to the FCRA Amerassist AR Solutions has violated my rights according to the laws stated below. 

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XXXX, when I closed on my home, I was not informed that I was required to pay for the insurance premium upfront. At the time, paying the premium would not have been an issue. After several months, I received a letter that the premium needed to be paid for the insurance not to be canceled. I immediately called United Wholesale Mortgage to see what needed to be done and why the premium had not been paid. I was told that UWM needed to know where to send the payment and that it would be resolved. XXXX XXXX contacted UWM  on XX/XX/XXXX and XX/XX/XXXX requesting the payment. UWM never reached out to me to ask that I send the payment out of pocket. A couple of months later, I received another notice that the premium still had not been paid. Once again, I called UWM to see what was happening and even spent a couple of hours trying to get UWM, XXXX XXXX, and myself on a three-way call. After being unable to set up the call due to someone always disconnecting, I provided UWM with all the contact information for XXXX XXXX. I asked if there was anything else I needed to do to resolve this, and I was told by the UWM agent that there was no further action required on my part and that the matter would be resolved. Fast forward to XXXX, I received a notice that my mortgage payment would go up {$750.00} per month and that the first new payment was due in 15 days. I called UWM again to see what was happening and was informed that the insurance matter had not been resolved as I had been told. Instead, I was placed on forced insurance, which was a premium of around {$5400.00}, and backdated to XXXX. This resulted in a much higher mortgage payment. The quote I initially secured with XXXX XXXX went from {$1600.00} per year to {$3400.00} per year when I tried to reinstate my original quote. I am not sure why not a single person informed me that the initial payment was to be made by myself and not by escrow. If I had known this, I could have easily handled it right after closing. Now I am struggling to provide with a single income while my wife is a full-time student taking care of our XXXX son. Being a new parent is supposed to be an exciting time, but the stress of trying to get this resolved with minimal response and struggling to meet this new payment has taken a devastating toll on my family. I have submitted several requests to UWM to rectify the situation and have been stone-walled with multiple denials. They could not even find the courtesy to respond to my requests, and I have had to find out by calling for an update and requesting that the response letters be sent to me. This was not an instance of laziness on my part, but this situation would not have occurred if there had been better communication on behalf of the mortgage company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have contacted self / lead bank regarding this issue. They responded to me basically saying it is what it is. I have the letter that I sent as well as the response email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: 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.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that 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.

I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that Bank of America corrects the error and updates the information with the credit bureaus. The inaccurate late payment appears on my credit report as follows : Account : Bank of America Date of Reported Late Payment : XX/XX/2023 I kindly request that the CFPB investigate this matter and facilitate communication with Bank of America to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. 

Thank you for your assistance in this matter. 

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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I purchased some floor tiles from XXXX XXXX XXXX To make this purchase I opened a new XXXX XXXX XXXX credit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX  by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX  only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX  XXXX I provided XXXX XXXX  all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically. 

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing. 

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies. 

Thank You in advance for any help you can provide me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Theres 3 fraudulent credit inquiries on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
Incorrectly received delinquent account report affecting my credit. I paid {$140.00} on XX/XX/XXXX and it was due 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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 Transunion, XXXX, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Transunion, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, Equifax, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Equifax permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen.

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURCING is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with XXXX and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to FAIR COLLECTIONS AND OUTSOURCING causing significant damage to my credit report with out my knowledge and consent!

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. Experian is dismissivie of the documentation that I have provided to them. 

It is clear as day that Experian did not attempt to contact XXXX XXXX nor XXXX XXXX. To further support the previous statement, XXXX XXXX  provided me with a {$0.00} balance letter. So, XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Experian which is the 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 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 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  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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 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 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, 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