vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: GA

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 2024-06-04 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: FL

Complaint narrative:
Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-04 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-06-04 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: CA

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 2024-06-04 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: CA

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 2024-06-04 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-04 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: Self Financial Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Collection Corporation
State: AL

Complaint narrative:
This company is reporting negative information on my credit report but will not provide requested information to validate the debt. I requested a contract or signed agreement between myself and the company, verification of ownership of the debt or proof that this debt is valid and approved by myself, I received no response to my many requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Its XXXX XXXX XXXX, after all the attempts to get a credit card limit increase is a fantasy for some of us.

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 2024-06-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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 XX/XX/year> I sent a letter to XXXX XXXX requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

XXXX, stated that this information would remain and they will not investigate any further regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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 XX/XX/year> I sent a letter to XXXX XXXX requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

XXXX, stated that this information would remain and they will not investigate any further regarding this issue.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, at XXXXXXXX XXXX. I entered a XXXX parking lot with a XXXX posted parking rate of {$22.00}. I was charged {$45.00}, more than XXXX times the posted rate. This transaction was posted on XX/XX/XXXX. I promptly disputed this charge with the merchant and US Bank. I immediately submitted a form to the company but did not receive a response. I followed up on XX/XX/XXXX. I received a response on XX/XX/XXXX requesting the parking lot location. I replied on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, Office Manager at XXXX requested documentation showing I paid a higher rate than the posted rate. I furnished this information on XX/XX/XXXX. The company never responded. 

I also disputed the fraudulent charges with US Bank. On XX/XX/XXXX, I was granted provisional credit in the amount of {$23.00}, which represented the difference between the posted parking rate of {$22.00} and {$45.00}, the amount I paid. I was sent XXXX forms to fill out, which I promptly completed and returned to US Bank. On XX/XX/XXXX, the Provisional Credit in the amount of {$23.00} was reversed by US Bank. I promptly called US Bank on XX/XX/XXXX, at XXXXXXXX XXXX The call lasted XXXX minutes and XXXX seconds. I spoke with XXXX by telephone and stated that I never received notice of the reversal of the provisional charge. He stated that notice had been mailed the end of XXXX. I mentioned that I would like to have a copy of the form and investigation records. XXXX assured me that someone from US Bank would call me on XX/XX/XXXX. No one returned my call. 

US Bank had a fiduciary duty to act in their customers best interest. They failed to act in my best interest by allowing a company to fraudulently withdraw money from my account.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing regarding the fraudulent accounts and transactions that have appeared on my credit reports without my knowledge or consent. This unlawful identity theft has caused me severe distress, financial harm, and reputational damage. I have already reported this crime, and urgent action is needed to resolve it. 
I demand you immediately remove all fraudulent information from my credit reports and conduct a full investigation into how this identity theft occurred. The continued presence of this inaccurate data is severely impacting my financial wellbeing and creditworthiness. Your complete cooperation is required to correct my credit reports and examine this unlawful activity. 
I will provide any documentation necessary for your investigation. However, if your company fails to promptly rectify this unlawful situation, I will pursue all available legal remedies. This includes filing suit to uphold my rights and recover damages from the harm your mishandling of my personal information has enabled. 
I expect your urgent prioritization of this matter. My consumer rights have been violated, and I will not tolerate any further delay in correcting this injurious identity theft issue. Confirm the immediate steps you will take to fully resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
The institution changed the access to features to me as the account change request to become a joint account access began to limit features on my interface as the added account holder without notification or explanation of the change and when it was to go into affect. The account has had since then made private the disputes from each making no note of the funds incoming were mine as this newly created role of secondary was used as a form of identifying a hierarchy in status on this now Jointly held account. The transactional disputes limited their explanation and created a series of transaction that were identified as holds on the account but were withdrawn transactions for were purchased and occurred and we longer could dispute. Unsure of how this activity was allowed by regulations, but consistent with causing problems with the merchant never returning the funds and me never receiving the product purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: IL

Complaint narrative:
I am writing to formally complain about BHG Financials refusal to provide me with an unmarked copy of the executed promissory note that I signed. The copy I received is marked with " copy view, '' and it explicitly states that the authoritative copy is held by the designated custodian. This refusal to provide an unmarked copy raises serious concerns regarding my rights as a borrower and the transparency of our transaction. 

On XX/XX/2024, I sent an email correspondence to XXXX to request an executed copy of the promissory note that I, XXXX XXXX, signed and initiated. On XX/XX/2024, BHG Financial sent me back my loan documents via a secured link. This was sent by XXXX XXXX, Client Services XXXX XXXX. 

I responded back on the same day and informed XXXX that the documents enclosed a watermark that entails " copy view '' across the document. Additionally, the form details that this document is a " copy view of the authoritative copy held by the designated custodian. '' XXXX informed me that she is unable to send me the official copy due to preset functions within the company 's XXXX. This is unacceptable, as I should be able to request the original copy, given that I initiated these documents without watermarks. 
The Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z ( 12 CFR Part 1026 ), are designed to ensure that borrowers receive clear and accurate information about the terms of their loans. XXXX 's requirements include providing the borrower with copies of loan documents, and the refusal to provide an unmarked copy may constitute a violation of these disclosure requirements. 

If the promissory note is an electronic document, the XXXX XXXX ( 15 U.S.C. 7001 et seq. ) mandates that electronic records and signatures are given the same legal effect as their paper counterparts. Ensuring access to the complete and unmarked electronic document is integral to compliance with this act. 

I hereby formally request that BHG Financial provide me with a certified true and unmarked copy of the executed promissory note. This request is made to ensure compliance with the aforementioned legal requirements and to maintain transparency in our financial transaction. If BHG Financial does not comply with this request within 14 days of receiving this notice, I will have no choice but to escalate the matter. 

Please confirm receipt of this complaint and the anticipated timeline for compliance. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Original, still open Complaint ID : XXXX submitted on XX/XX/year> I have major privacy issues with Chase. First they utilize an address that was not mine and a phone number that was not mine, now they have changed my address without discussing with me that they were updating it. It is correct now, but they changed my address without my authorization, which customer service told me ( called XXXX minutes ago ) that We can not change your address and we are not allowed to change your address. And yet, my address was changed. 

When I first called them a month ago to have them fix the issue with using other peoples contact information for mine phone number and address they said they can make any address or phone number my primary if it has ever been associated with my SSN. Really?? Im sure there are regulations against this activity. I am still not able to login to the mobile app or update any of my information because it requires me to authenticate with the phone number which is not mine and has never been my personal phone number. 

I do not feel confident that my personal information is safe with this company and that they are utilizing the appropriate privacy guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation