vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: KS

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 confidentially under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a Capital One Quicksilver card in the mail on XX/XX/year> that I never applied for. The card was under my maiden name, XXXX XXXX. I have not used that name in XXXX years and never in pair with the current address. I called Capital One and made them aware that I didn't apply on XX/XX/year> and they have opened a fraud investigation. Through XXXX, I found that the application was made on XX/XX/year> under a phone number I did not recognize, XXXX. Because of this incident, my credit score dropped XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: GA

Complaint narrative:
I want to clarify that I have not given my consent to XXXX, XXXX, and TransUnion to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''

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 2024-03-30 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: GA

Complaint narrative:
I want to clarify that I have not given my consent to Equifax, XXXX, and XXXX to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I received a letter back in XX/XX/2022 from Federal Student Aid stating my loan will be XXXX due to borrowers defense. I reached out to the in regards to the letter and was told it will be 30 days and i would receive a refund and the loans will be removed from my credit. Now its XXXX years later and nothing has happened, I have made over a XXXX phone calls to be told its nothing they can do and I have to deal with Mohela and Mohela knows nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Requested to close Sofi Invest account XX/XX/2024. Account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
I got a letter stating I owe XXXX I dont understand how on my credit report the amount is XXXX Please explain how they can do that to a Person. 
The loan started at XXXX. 
Please help me fix this issue. 
This was for a car loan but it just kept breaking down and I I voluntarily had it repossessed. 
Bought XX/XX/2022

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 2024-03-30 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXXXXXX XXXX  - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 ) XXXX XXXX - account # XXXX 5 ) XXXXXXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 ) XXXX XXXX - account # XXXX 5 ) XXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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:
I have called the reporting agencies and let them know there are so many things wrong with my report like First off the accounts included below are NOT supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are also in violation of not reporting 100 % accurately.

15 U.S. Code 1681s2

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 2024-03-30 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: CA

Complaint narrative:
The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2024 In an attempt to extend my XXXXXXXX XXXX XXXX on their APP, I was using my CHIME Credit Builder Card an the extension cost was XXXX. It never registered on the XXXX XXXX So I had done it again Chime held the money on my account again. I called XXXX they told me they didn't have the first XXXX but they did have one of the two. I contacted CHIME who told me it was XXXX issue and XXXX told me it was CHIMES issue. Then it happened again in extending the rental. So when i returned the rental to XXXX did not believe me that this had happened and instead of getting my weekly rate of XXXX They charged me for a month and a day to the cost of XXXX which would have been XXXX. Since that complaint and neither side would budge on helping me and filing a complaint with both companies got me nowhere and now CHIME is holding my pending rental car holds for 30 days. When prior they would come off almost immediately or in a couple days. I think they are doing this in retaliation for filing a complaint on both ends XXXX and CHIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans Union continues violate the FCRA of 15 USC 1681n Willful Non compliance and 15 usc 16810 Willful Negligence. I have repeatedly aske them to remove inaccurate information from my report and they continue to not re investigate the inaccurate and incomplete information being furnished on my report. By The Credit reporting agencies own standards they fail to comply with the XXXX XXXX guidelines. I have again attached my proof of the continued non compliance of the Trans Union.

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 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
There false deceptive practices and Harassment has continued calling and mailing my home Wakefield agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want Wakefield to honor the agreement that they broke on ... ... ... ... .... XX/XX/year> and XXXX by contacting me again. This is the 4th time unfortunately you have broke the agreement you owe me {$10000.00}. Wakefield please keep all record of the 3 phone calls conversations you falsely said we had but we never talked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
Carrington Mortgage Services has misrepresented my payments as late when they were evaluating my Covid Forbearance. I had been in weekly contact with them asking for consistent updates and providing timeline information when requested. 
They, Have reported me as late and not honored the spirit of the Covid Forbearance for what it was intended. 

I would like the credit issue removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Hello, I recently turned XXXX and I opened a current account because they have good savings interest rates. 

I tried to transfer my money in directly. Apparently the transaction did not go through and there were issues in the transfer, so it got marked as fraud and I got an e-mail asking for my drivers license, a selfie with my drivers license, and a bank statement from my original bank ( XXXX XXXX ). 

After checking that this was indeed the fraud e-mail for current, we had a back and forth, I didnt send everything correctly, and eventually I sent everything in ( I believe correctly ) by XX/XX/XXXX ( the process started XX/XX/XXXX ). 

I havent gotten a response since. I had already changed my direct deposit to the new current account, so there are {$140.00} from my part time job that I really want access to that I cant get access to. Ive chatted with current representatives several times asking for updates, and they always say that the fraud department is still working on it. 

The thing is, I havent received an e-mail from them since XX/XX/14, and Ive e-mailed them several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-03-30 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:
The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, I inquired for a personal loan through Prosper Marketplace. After filling out the application online, I was automatically declined. I promptly received an adverse action notice as required by law with the required statement of specific reasons. According to the letter, these specific reasons caused their credit scoring system to score me below the minimums. There are XXXX reasons provided, all are vague. One of the specific reasons for the decline provided was " Payment on student loans is too low in proportion to balance. '' This statement is completely false. I do not have any outstanding student loan accounts and no payments required. I became concerned that there was inaccurate information on my credit report. I immediately obtained a copy of my credit report from XXXX, which was the reporting agency Prosper stated they obtained information from. After reviewing my credit report, I found no errors on my XXXX report. I had XXXX student loans in the past, but XXXX correctly reported that the status of XXXX student loans accounts was " Paid, Closed ; was paid as agreed. '' Because the information obtained by Prosper correctly reported no active student loan accounts, there was no merit to the claim that I did not meet criteria on the basis of the payment on student loans is too low in proportion to balance. My complaint is that Prosper 's credit scoring system is inputting false information into the calculation. In this case, it contributed to a decline. Even more concerning is that it would be theoretically possible for the system to inaccurately price risk into approval decisions and offer consumers less favorable terms than they would have otherwise qualified for. It would be impossible for consumers to know this because there are no notice disclosures required if the application is approved. As noted on the adverse action letter, XXXX rates my credit as excellent supported by the high credit score shown on it. Although Prosper states that credit score is only one factor considered, this shows that this is not a case of declining a file due to poor credit. I attached the adverse action letter but did not attach the credit report for privacy concerns. It is available upon request.

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 2024-03-30 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: OH

Complaint narrative:
I called Equifax and spoke with a customer rep manager on the phone, XX/XX/XXXX, to inquire about the hard inquiry from XXXX XXXX. Speaking to the manager, I informed him that I was told from a Equifax rep, XX/XX/XXXX, that I couldn't remove the XXXX  XXXX hard inquiry then. The manager advised me that it would fall off my credit report automatically XX/XX/XXXX since it will be at the two-year statue. Today is XX/XX/XXXX and it's still on my Equifax report, yet it fell off my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
I have sent an update of information letter to all XXXX credit reporting bureaus on XX/XX/2023 to remove inaccurate information and still at this time all XXXX are reporting false information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX : # XXXX ], [ XXXX XXXX : # XXXX ], [ XXXX : # XXXX ], [ XXXX : # XXXX ], [ XXXX XXXX XXXX : # XXXX ], [ XXXX : # XXXX ] and [ XXXX : # XXXX ] are not complete and not accurate. 

[ XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXXXXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX  : # XXXX ] this account is not accurate and is result of fraud. [ XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXX XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX : # XXXX ] this account is not accurate and is result of fraud. [ XXXX : # XXXX ] this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?

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