vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2021 To whom it may concern : I, have tried on numerous occasions to correct the incorrect discrepancies on my credit report that are older than XXXX  years and/or incorrect data. I have attempted via online dispute ( s ) and direct contact ( s ) with your company to correct the data.

I am attempting once again to contact a dispute supervisor in order to remove the incorrect information from my report that is older than seven years old and/or incorrect as the Federal Law mandates www.consumerfinance.gov/learnmore. 
I am currently unable to obtain safe and secure housing due to the incorrect data on my report, which deprives me of my Fifth Amendment. 
The following apartment had/have several XXXX  department city and county violations of inhabitable conditions within XXXX XXXX XXXX Texas. The violations are numerous and very grossly like a third world country. I have made several attempts to contact this slumlord with no avail. 

XXXX. XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Phone : XXXX XXXX. CODE XXXX XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX The above apartments had/has several XXXX  department city violations of inhabitable conditions within XXXX XXXX XXXX XXXX XXXX XXXX Texas. The violations are too numerous and very grossly like a third world country. I have made several attempts to contact this slumlord and removing the item from my credit report with no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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 XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We paid off our loan on XXXX XXXX. The car loan had gap insurance and since we paid the loan off early we were due a refund on the gap insurance in the amount of {$860.00}. Per Texas law the bank Truist Bank is required to provide the refund within 60 days of payoff and as of this date we have yet to receive the refund. We have been calling the bank and the dealership and just keep getting the run around from the bank. The contract for the gap insurnace clearly stated that if the dealership didn't send the refund to the bank in a timely manner they Truist would pay us directly and take the funds from the dealership XXXX of XXXX XXXX, well that never happened and we are still waiting for our money. We have talked to several customer service reps at the bank to no avail, they keep blaming the dealership and the dealership keeps blaming the bank. Today again we spoke with XXXX at Truist Bank and she said that because they got the check late from the dealership we won't get our refund until sometime in XXXX. This is unacceptable. Whether the dealership sent the money or not the gap insurance contract clearly stated the bank would send our refund and get reimbursed through the dealership. This has not happened and the bank is in violation we just want our hard-earned money back immediatly at this point!!

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In late XXXX of 2023 I received an advertisement in the UPSP mail from Chase saying if I opened a new checking account and deposited money electronically by XX/XX/XXXX than I would get a {$220.00} bonus for opening a new checking account. In addition to the physical mailed advertisement I received an email from Chase also saying I would get a {$220.00} bonus if I opened up a Chase checking account and set up electronic deposits into it. I opened my new checking account and my first electronic deposit of {$500.00} happened around XX/XX/2023 followed by another electronic deposit of {$500.00} XX/XX/2023 followed by a third electronic deposit of {$500.00} that is happening right now for a total electronic direct deposit of {$1500.00}. I have not received the deposit from Chase, so I called them and the representative told me I need to look at the fine print and not look at the large bold print in both advertisements Chase sent me. In the fine print Chase says you have to deposit a paycheck directly from an employer or a government agency like Social Security to get the check. If this are the rules or hurdles Chase is going to create for consumers to receive the bonus they are promising then these rules need to be in the visible and large print of the multiple advertisements Chase is sending in their solicitations. I went to alot of trouble to open this checking account and follow the rules, and I feel like Chase is doing a bait and switch. I want them to pay me the new account bonus of {$220.00} because I followed the rules they explicitly advertised in large bold print in their advertisements inducing consumers to open a checking account. I would not have opened a checking account with Chase if it were not for these written advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. I have advised ALL the inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. I am now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filling form XXXX XXXX  XXXX  forms to audit my account. EXPERIAN is securitizing my data yet refuse to provide me a copy of my CONSUMER FILE NOT CONSUMER 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
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc
State: AZ

Complaint narrative:
I was stationed in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. I used telekom duetschland as it was my only option for phone services. When it is time for you to depart you give them your orders to close the account and pay any final bills. However, after nearly XXXX years of no longer using their services they have sold my information to Yes Online Inc DBA Dynam who is now trying to collect money from me. On XX/XX/XXXX they opened an account in collections under my social security number for {$420.00}. It has since increased to {$460.00} and I no way of getting it removed. Upon looking this company up you can see this is a common occurrence for service members who used these services and it is clearly fraud. When I attempt to get in contact with Yes Online Inc DBA Dynam they will hang up on me once I mention XXXX XXXX. I can not reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CA

Complaint narrative:
I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : Experian Bus Info Solutions Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : XXXX Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2023-10-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX I have a security freeze in place and TransUnion allowed a hard inquiry to be added to my report despite that security freeze. 

There was no attempt made to seek credit at this time and no knowledge that a hard inquiry would occur. 

I am not claiming wrongdoing by XXXX XXXX XXXX. They apparently have an allowed exception to bypass a security freeze without the person unfreezing or providing a one time PIN, but they did not have permission from me to bypass the freeze for a hard pull. 

Contacting TransUnion customer support was no help at all. They gave me a massive run around that I had to get all sorts of documentation that I have no control over producing, which has to be mailed to them, and then eventually they will remove this inquiry that never should have been allowed by them.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
First Progress is paid off and closed. I've reached out to them to remove the closed account from my credit. I also dispute it with all three credit bureau and still it's being reported and still on my credit. 

XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still being reported on my credit XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still it's being reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification.

I demand the following accounts be verified or removed immediately.

. 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
My account started to be in default XX/XX/2023. I was wrongly referred for foreclosure while I tried to seek foreclosure alternatives options- apply for HAF assistance, XXXX, and loan modifications, including submitting appeals. 
While working on these applications I was also simultaneously working hard to raise the funds to reinstate the loan based on monthly statements I was receiving from the servicer. I was eventually approved for {$7000.00} from the XXXX XXXX program in XX/XX/2023. This state program collected a full mortgage payment for XX/XX/2023 ( {$21000.00} ) as part of their terms to approve me of the foreclosure relief program and sent it to the servicer ( {$7000.00} came from XXXX and {$14.00}, XXXX was my own portion ). The servicer ( for an extended period of time ) held my portion of the checks without processing it, and refused my own payment to cure the loan to bring it current. 

The servicer returned my portion of the funds ( {$14000.00} ), but kept the state funds ( {$7000.00}, XXXX  Assistance ) and maintains I am still on track for foreclosure and that I can not cure the loan without " foreclosure '' fees they want to add. 

I will note I was approved ( XX/XX/2023 ) for a loan modification that I can not afford at this time. I just want to be able to cure the loan at this point. I can not afford the extra fees they are tacking on as they shouldn't have even referred the file for foreclosure. I believe the servicer is committing " dual tracking '' practices and that's why these extra fees are due preventing me from being able to cure and fully reinstate the loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The mortgage company claims that I was late making a payment in XXXX of 2023. It was not late. I sent the mail certified. The mail got to their location in plenty of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
My credit score has dropped in recent months for Equifax only. I looked up my account to see why my score is going down. According the report Equifax provided, the things hurting my score were : " The date you opened your oldest bankcard or credit account is too recent '' and " You have too many delinquent or derogatory accounts ''. Yet, when I called to have this explained ( since none of this shows on my actual Equifax credit report ), the speaker said he needed to consult because my oldest account is from 2006 and definitely not too recent. About XXXX minutes later he returned and just said I need to seek a credit advisor. I also asked about the derogatory accounts since there are none on my credit report. He said again I would need to seek a credit advisor. He didn't say why since it is a rubric/formula the company ( Equifax ) XXXX. There is no need for a credit advisor, my credit is good. In fact, under " Helping your score '' it is listed that I have " few to no delinquent or derogatory accounts '' - a direct contradiction of itself. My credit score/report makes no sense even though my credit accounts themselves are fine. The only issue is with score calculation, which they could not explain to me Yet, this score is a determining factor for my creditworthiness? I believe this is unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
Until now, I received NO resolution from XXXX, XXXX and Experian despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
XXXX, Equifax and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or about XX/XX/XXXX I submitted a new car loan application for a XXXX XXXX XXXX at XXXX XXXX XXXX. I had already received a preapproval from XXXX XXXXXXXX XXXX with a rate of between XXXX - XXXX percent, Which I told the dealer. The dealer suggested that they could get me a better rate, which they did IF I purchased several aftermarket car detailing products, including ceramic shield for the exterior and " insurance '' for the wheel rims and tires. Purchasing these products reduced my interest rate, but kept my monthly payment almost exactly the same as the higher rate I was presented with when i came in to sign the paperwork. To be clear : the dealer was vague about the actual rate saying only that the rate is less than XXXX XXXX 's highest rate, which is true, but what was not disclosed was that to received the lower rate I had to buy these products. I wrote to wells Fargo to complain that, at the time, as an established customer of more than a decade ( checking, savings, brokerage and credit card accounts ) I was surprised at not only how noncompetitive the rate was for a credit score above XXXX but that I would be required to buy that much dealer products to qualify for what is at best an average rate for my credit score at that time ( XX/XX/XXXX ). I filed a complaint with Wells Fargo in XX/XX/XXXX. The answer was disingenuous at best, saying in part " the rate was competitive based on your credit score. '' The average rate for that credit score in XX/XX/XXXX was about a point lower, especially given I put down approximately {$14000.00} or almost XXXX percent of the purchase price.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexisnexis is required to provide a disclosure of consumer information upon request. 
I have requested my consumer disclosure report three times. 
XXXX XXXX XXXX I have provided information documenting both my identity and my address in the form of : A scan of my driver 's license XXXX scan of the first page of my bank statement A scan of my birth certificate A scan of my social security card Every time, I have been told that they were unable to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am sending you this letter to formally dispute this Collection Account that is still being reported on my credit report. I'm currently in the process of trying to relocate and since it is required for me to pay off this XXXX XXXX with original creditor XXXX for them to approve my application. The account is still listed as a collection on my report although I paid it off. I dont want to keep getting denied. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation