vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: PA

Complaint narrative:
This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XX/XX/XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I am a resident of XXXX, MA. I moved from XXXX XXXX, IN, and wanted my car to be registered in MA. I contacted my leasing company ( Hyundai Motor Finance ) in XX/XX/2023 regarding this. Every time I used to call them they used to give me a different set of information. I somehow gathered all the information and sent them the required documents for the title transfer in XXXX. I filed a complaint with CFPB in XX/XX/2023 after which the leasing company then sent the title documents to the title department, MA by the end of XX/XX/2023. I called the title department, MA and they told me that the documents were wrong ( missing information ) so they sent them back to the leasing company. Now whenever I call the leasing company they tell me a new thing or they keep giving the USPS tracking address back from XX/XX/2023 on which they sent the documents to the title department, MA. Last week they told me that the documents were sent to my old address which is in XXXX XXXX ( they already have my new address with them where they had sent an information document in XX/XX/2023 ). It has been three months and I am very stressed and depressed because of this. I feel cheated and humiliated. I also sent them a check ( in the name of XXXX  ) that was supposed to be sent to DMV, MA. They said they never got the check back from the DMV in the documents they sent back. My car is unregistered since XX/XX/2023. It's giving me everyday anxiety. I have cried on a call with the leasing company a couple of times. I feel so helpless.

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 2023-11-09 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: PA

Complaint narrative:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac has imposed Off/On 5 times Force Place Insurance over the last 12 months, this began with PennyMac falsely referencing a supposedly expired hazard insurance policy. Although Borrower repeatedly requested that expired insurance policy was never forwarded, yet PennyMac felt empowered to place force place insurance multiple times, using a continual " On/Off '' tactic. 

Since then and over the last 4 months, Borrower has been informing and requesting that PennyMac act in accordance with Relevant Government Regulations that govern Force Place Insurance Requirement for Lenders. They continually and completely ignore this. 

Furthermore, PennyMac has corroborated this insurance coverage conflict originated by deceitful action by the Loan Originator Company ( XXXX XXXX ) having falsely placed a Counterfeit Insurance Policy. This misled PennyMac to believe that the desired, but not required ( per loan insurance contract ), was to be made available on this Loan. PennyMac, was requested by the Borrower to address source of this deceit with the responsible party, but PennyMac has chosen, to instead ignore and protect XXXX XXXX 's malfeasance and to instead punish the Borrower instead of the responsible party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My Pennymac Mortgage payment was made online on XX/XX/2023. Due to a bank delay in processing a deposit made on XX/XX/XXXX which was suppose to clear in time to cover payment for Pennymac made on XX/XX/XXXX my payment was reversed. 

A new payment was made on XX/XX/XXXX and processed, I was advised on XX/XX/XXXX the payment will take up to XXXX business days to process and I don't need to be concerned as they will make sure credit bureaus are updated to show payment was made successfully. 

As of today, XX/XX/XXXX XXXX has reported my payment was never made which is not the case and now my credit has dropped XXXX points as they can't give me an answer when they can update the bureas to reflect my account was paid Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: DISCOVER BANK
State: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ).

However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( 15 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law. 

Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am writing this letter to lodge a complaint against Velocity Investments LLC ( VIL ) for violations of the Fair Credit Reporting Act ( FRCA ) for its refusal to comply with its duties imposed by the law.

A. Company Contact Information Velocity Investments LLC ( VIL ) XXXX XXXX XXXX, XXXX, NJ XXXX B. Specific Complaint On or around XXXX XXXX, I filed for bankruptcy and subsequently, XXXX XXXX XXXX, ( UNI ) informed me that on or around XX/XX/2020, they had sold the loan to XXXX. I have attempted to correspond with VIL, pertaining to this matter but have thus far refused to respond. I have requested the following information : 1. Verification that VIL did in fact, purchase the rights to this loan on or around XX/XX/2020 and the amount paid for the loan ; 2. Since the transaction occurred after I had filed bankruptcy, I requested confirmation that UNI provided notice of the bankruptcy ; 3. Confirmation that they have received a copy of the bankruptcy discharge order ; 4. Confirmation that the debt has not been further transferred/sold ; 5. Confirmation that VIL is aware the debt is no longer a valid and collectible debt ; and 6. Confirmation that they are aware of the discharge injunction and that they will not take any action to collect the discharged debt. 

Despite several letters seeking this information, they have refused to respond.

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 2023-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
The car was repossessed. The amount the company is reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Delete listed inquiries immediately because theyre validating my rights as a consumer. If inquiries are not deleted immediately legal action will be taken.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Since XXXX of XXXX  Citibank closed my account for no reason and still refuses to tell me the reason. They held my remaining funds and I have still yet to receive them. Everytime I speak to someone over the phone they are clueless and tell me they will send request to see whats going on. It has been XXXX  MONTHS. One person told me I will need to go into a branch to fix this I drove XXXX XXXX to New York to go into a main branch guess what they told me? We cant do anything for closed accounts in person you need to call the customer service line. Another person said theres no money and that any checks I deposited havent been cashed. I spoke to the company that issued the check and put them on a XXXX way with Citi and they informed Citibank that the check has been cashed by them. Now they say we will mail you a check but its been half a year and they havent done a single thing. How do you know I dont need the money badly to pay my bills or credit cards?? Which I do. This is ridiculous and no one should have to go through all of this for THEIR money.

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 monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-09 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:
They didnt remove items from 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 non-monetary relief
Consumer complaint received 2023-11-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by JPMCB CARD SERVICES. I also noticed I had another unauthorized hard inquiry from XXXX XXXX on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently was offered an upgrade from Capital One they would upgrade my Quicksilver One card to the Venture One card. I upgraded to the Venture One card because it offered no annual fee which was a change from the Quicksilver which had a {$39.00} annual fee. I was not aware the fee for the Quicksilver one was charging right as the upgrade was happening because the new statement was not available. I called Capital One on XXXX to request them to waive the fee because it wasn't really fair to charge a fee for a card that just switched. They were very dismissive and immediately balked at my request and said it was not even an option. The first representative XXXX immediately dismissed my request without explanation so I requested a supervisor, I was connected with supervisor XXXX who barely listened to the situation and immediately told me there was nothing they can do. I asked for XXXXXXXX XXXX supervisor and she dismissed me and said her supervisor doesn't talk to customers. She told me I could try to call back to the XXXX number again and ask for a different supervisor. I found this to be completely unacceptable. All I would like is the {$39.00} fee waived. I have been a long time Capital One customer and am always in good standing with them. I feel like a one time courtesy fee reversal is not an outrageous request especially for a long time customer. I could understand if the annual fee was charged 6 months ago, but it was literally within XXXX days of the card change. Also, I don't feel as though XXXX or XXXX were sincere and wouldn't even listen to the request- they just immediately said no and immediately said it is against policy.

Company response to consumer: Closed with monetary relief