vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: MI

Complaint narrative:
15 USC 1692c ( c ) FCRA Section 605B It is illegal to report information on my credit report without my permission. Please REMOVE immediately from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I froze my credit with all XXXX  reporting agencies. On XX/XX/XXXX all XXXX  agencies had lifted that freeze fraudulently. I did not request that. XXXX sent me an email telling me it had been lifted. BUT XXXX XXXX did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I froze my credit with all three reporting agencies. On XX/XX/XXXX all three agencies had lifted that freeze fraudulently. I did not request that. Experian sent me an email telling me it had been lifted. BUT XXXX XXXX did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. 
Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX XXXX Reported XXXX Amount {$2000.00} XXXX  XXXX Reported XX/XX/XXXX Amount {$590.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This car was put on my credit with no knowledge of this deal was done with out me signing or being there they dont even have the correct ID for me I dont have the rights too even sign for a car without a license

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
Experian is reporting a bankruptcy that they know can not be verified as accurate. XXXX the vendor that Experian uses as already stated that they could not verify this information and have since deleted it from their database so how is Experian verifying information that is not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
Demand the refund in the amount of {$XXXX} for the " appraisal fee review '' that charged us in advance ( even before they order the appraisal report from the third party ) from XXXX XXXX Bank, XXXX, CA branch. Due to XXXX XXXX Bank 's deceptive and unfair lending practice, we forced ourselves to find another Bank to complete our loan refinancing process. The appraisal report ( we paid for more than {$XXXX} ) had been transferred to other Bank whom only charged XXXX ( appraisal review fee of {$XXXX} ) at the loan escrow closing date ( not in advance ). In fact, XXXX XXXX Bank did do anything after receiving our appraisal report from XXXX XXXX except demanding us to pay more than XXXX for other reports that no other Banks, that we contact, required for our loan refinancing process. They said they could not process our loan refinance until we send the above fund ( more than XXXX ) which we disagreed. These local ( XXXX, CA ) XXXX suggested that if we do not want to send them additional fee as requested, we could find another XXXX, which we did and were able to complete our loan refinance. This shows the fact that they have never attempted to process our loan before receiving the additional fund from us. Therefore, XXXX business bank has no reason to keep our " appraisal review fee '' They must refund us immediately. There are so XXXX bad reviews and complaints about this Bank since they took over XXXX Bank ( our original Bank that we had the loans with ). Please review. By contacting other Banks, we found out that we are victims of XXXX XXXX Bank 's deceptive and unfair practice lending. They charged customers as much as they can, their statement : " this is XXXX 's regulation ''. This Bank must be investigated thoroughly by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: IL

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. Account name Account name : XXXX XXXX XXXX, # XXXX has violated my rights. 15 U.S.C. 16815-2 ( 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. On XX/XX/year> i contacted XXXX XXXX the Director of Operations at the XXXX XXXX XXXX. I submitted a complaint with the XXXX to have an account with XXXX XXXX XXXX that was open / active at the time removed from my credit report. Ive contacted XXXX XXXX  numerous to times asking for validation of debt and I was ignored. However, XXXX from the XXXX XXXX XXXX suggested me to send a validation letter to XXXX via certified mail. Once a certified letter was sent, I received a response from the collection agency via the XXXX portal with a statement that didnt tie me to the alleged debt they claimed i owed. I responded with yet another debt verification via the XXXX portal and on XX/XX/year> XXXX XXXX XXXX has closed the collection and and later reopened it on my report. 
My goal here is to get the collection REMOVED from my account completely since I do not owe that alleged debt. They no longer have collection authority and per the consumer financial protection bureau CFPB rules if they dont have collection authority they must delete their tradeline so I request this be done please. I do not have no contractual obligation to this alleged debt. The validation letters Ive received were statements with different dates and numbers that dont match whats being reported. 

XXXX has DELETED this account from my credit report. I need the same from TransUnion Thank you so much for your time and patience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/2023, I received an alert from XXXX that JP Morgan Chase ( " Chase '' ) checked my credit. I called them and spoke with their fraud department. I was really upset because I already had a credit alert on my credit file saying to contact me on my cellphone if anyone applied for credit, because I had previously been a victim of ID theft. However, Chase did not contact me. I told them I did not apply for a credit account with them. They told me they would be removing the inquiry and not opening the account. They sent me a letter stating that too. It's been almost a year. I'm now purchasing a home and I realized this fraudulent inquiry from Chase is still on my credit. This inquiry needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: IN

Complaint narrative:
In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. XXXX Account # XX/XX/2024 XXXX, XX/XX/2024 {$640.00}, XX/XX/2024 XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: IN

Complaint narrative:
In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. XXXX Account # XX/XX/2024 XXXX, XX/XX/2024 {$640.00}, XX/XX/2024 XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I froze my credit with all three reporting agencies. On XX/XX/XXXX all three agencies had lifted that freeze fraudulently. I did not request that. XXXX sent me an email telling me it had been lifted. BUT trans union did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Tx XXXX Are all old addresses. I am no longer living at these addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must CEASE all communication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I reached out via chat to ask how I could pay towards my principal amount in order to lower my next months payment but I am being told that I have to always make the mnimum payment. This was right after I made my previous payment of XXXX which only contributed to my principal with about XXXX dollars of that. I asked to make a bigger principal payment in order to lower next months but they want me to pay another XXXX first which will only pay to my principal again XXXX dollars and add on whatever extra payment I want to there. I tried calling and was told the same thing. Via email the same thing. Finally I tried to pay off my entire balance today several times online but it refuses to take my card. I tried calling the number to make the payment and she says she doesn't know why they aren't accepting my card. Claims it says insufficient balance, not true. Asked if I had another card, I said no because I don't.. She was encouraging me to add my ACH account back on and to schedule a payment through there. i said no because if I do that then my balance will continue to go up by the time the payment goes through and then i will be in a never-ending cycle of incurred balances. There was nothing else that could be done. I now received an email saying that my card has a daily limit that does not allow them to process the payment. Even if that is the case, they do not allow me to make two separate whole payments of XXXX and XXXX to pay off my balance. By the time I make the request to my bank and get it back, I will have incurred more balance. This is insane. I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX 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 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 Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: AZ

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/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 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 XXXXXX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: NC

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Inquiries : - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit 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 explanation