vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: AL

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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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 168b permissible purposes of consumer reports. 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I used my Cash App debit card to purchase an XXXX XXXX  from XXXX XXXX XXXX. 

When the unit arrived however, it was defective. It had problems with not only the directional pad but its XXXX unit. 

I tried to get XXXX to exchange my unit for a working one and they refused multiple times despite having video and photographic proof I published to the public. 

Since that route didnt work, I filed a dispute with CashApp. After not even a day, they denied my claim. When I asked for information used to make that decision as that was way too fast to possibly look at the emails, photos, and videos, they just literally sent me a blank page. No interviews with anyone in the company, no investigation records. XXXX. The bank did no investigation whatsoever yet felt compelled to deny me my refund. I filed twice and the same thing happened both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
Physical proof of my signature to authorize these account to be report in my credit report and my name. i attached my driver license and proof of my registration as proof of address

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 2024-10-30 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: CT

Complaint narrative:
This is an inquiry that I do not recognize. You have no idea how much I feel violated simply from the fact that I never authorized this inquiry.

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 2024-10-30 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: FL

Complaint narrative:
The following inquiries I do not recognized and didn't authorized them. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX  XX/XX/year> - Experian XXXX XXXX XX/XX/year> - Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I am writing to formally request the removal of an inquiry from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following unauthorized inquiry : Unauthorized Inquiry to be Deleted : XXXX XXXX Date : XX/XX/year>

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 2024-10-30 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bepensa Capital, Inc.
State: NC

Complaint narrative:
I asked to be contacted through email instead of the phone due to my work hours. I have saved the emails and communications with this company, and they continue to call my family and friends even after talking to me through email. When I asked them why they said because they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
I called to see if they can lower my payments based off of my income and the representative told me that all they can do is lower it to XXXX. I told her but I cant afford that. I was told nothing can be done. My credit was affected for XXXX  months. I did call back and got someone else and she told me that things were not correctly and your income was not submitted in a calculator they use. I was able to get my payments down but now I have that on my credit when I tried to figure out options to help me pay the loan down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I PURCHASED A XXXX XXXX XXXX on XX/XX/XXXX, I GAVE A {$10000.00} DOWNPAYMENT. ALSO MADE XXXX PAYMENTS OF {$1000.00} & XXXX PAYMENT OF {$1100.00}. ON XX/XX/XXXX SAID VEHICLE WAS TOWED, WENT TO XXXX XXXX  TO INQUIRE, WAS GIVEN A XXXX  INVOICE & LOCATION TO GO RETRIEVE VEHICLE. PICK VEHICLE UP XX/XX/XXXX ( FEES {$350.00} ). 
ON XX/XX/XXXX XXXX  HAD VEHICLE TOWED AGAIN ( SAID XXXX XXXX WAS STOLEN ). ON XX/XX/XXXX WENT TO TOW COMPANY SHOWED PROOF OF OWNERSHIP ( LICENSE, INSURANCE, REGISTRATION & VERBAL PERMISSION FROM CAPITAL ONE AUTO FINANCE PRESIDENT, XXXX XXXX, XXXXXXXX XXXX XXXX ) AND I RETRIEVED VEHICLE AGAIN ( FEES {$190.00} ). ON XX/XX/XXXX SAID VEHICLE WAS TOWED AGAIN ONLY THIS TIME XXXX XXXX POLICE PICKED UP VEHICLE AND THE DEALERSHIP HAS PUT THE VEHICLE BACK UP FOR SALE. THEY ALSO SAID MY LOAN WAS A FRAUD BECAUSE OF A CO-SIGNER ON THE LOAN THAT I DID NOT ADD NOR DO I KNOW OR HAVE NEVER MET IN MY LIFE AND ON TOP OF EVERYTHING ELSE I HAVE A COPY OF MY CONTRACT AND THE SIGNATURE IS NOT MY SIGNATURE AS WELL. MY SIGNATURE WAS INFACT FORGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I traded my leased vehicle and the dealership sent payoff late to the loan holder therefore allowing them to make negative remarks on my credit report. The loan holder indicated the institution reported that I purchased the vehicle on XX/XX/XXXX, as opposed to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have never opened bank accounts with these institutions. I am requesting the accounts to be DELETED from my early warning consumer report immediately.

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 2024-10-30 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: IN

Complaint narrative:
My credit report lists several incorrect late payments that dont reflect my payment patterns. Please address these errors and update my records.

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 2024-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc.
State: FL

Complaint narrative:
I have called Earnest they want me to pay {$1200.00} a month which i cant afford. They advised I can pay interest only which is still {$800.00} i advised i cant pay that either i told them to please allow me to pay a reasonable monthly payment and they flat out told me no.. 
i have attempted to contact them several times and they said no i tried to refinance my loans and they wont approve me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
From XX/XX/year> to XX/XX/XXXX there were XXXX unauthorized charged to tik tok from my checking account. I unfortunately do not check my account unless I have reason to, and was not made aware of these charges. I filed a claim on XX/XX/XXXX with Wells Fargo for a total of XXXX dollars. After XXXX business days I had never received any kind of call or email about the claim progress or asked for further information. The claim was adjusted to XXXX dollars without contacting me. I could not get ahold of the bank to adjust this before the claim was closed and denied on XX/XX/XXXX, due to the fact that I had authorized the charges and my claim was closed permanently. I tried to reach a claim XXXX for further information about my claim, and I was told to be patient, and that Wells Fargo would reach out to me. Wells Fargo told me that their technical team could see that I had access to my account and I was aware of the charges. I had recently moved out for the first time at XXXX  years of age and I admit to having a bad habit of checking my bank statements and balances. I do not claim my lack of knowledge of my account activity to be considered authorizations for any tik tok charges. After the charges I had less than XXXX dollars left in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint against JPMorgan Chase Bank in connection with the handling of my refinance application. Throughout this process, the bank 's actions have been marked by significant procedural failures, inaccuracies, and unprofessional conduct, which have adversely affected my refinancing experience. The following issues occurred during my dealings with JPMorgan Chase : Failure to Communicate : My calls and emails were consistently ignored, resulting in undue delays and a lack of transparency throughout the refinance process. Additionally this caused us to miss our agreed upon closing date, rescheduled date, and push to the final days of the rate lock to complete closing. 

Inaccurate Loan Disclosures : The loan estimates I received contained incorrect figures and assessments each time disclosures were issued. This repeated inaccuracy impeded my ability to properly assess the loan terms. 

Title Pricing Issues : The bank failed to verify the Title pricing until XXXX week prior to the closing date. After that, a credit of {$500.00} was initially requested to be added to my loan, only to be denied XXXX hours before closing. This left me without adequate time to engage a new title company. 

Delays Related to Relationship Rates : The bank deliberately prolonged the engagement of a banker, seemingly to take advantage of relationship rates, which contributed to the closing being delayed. 

Unprofessional Conduct : Throughout this process, I encountered unprofessional behavior, including a lack of responsiveness and misleading information. 

These failures collectively demonstrate negligence, lack of professionalism, and a disregard for customer welfare. I respectfully request that the Consumer Financial Protection Bureau investigate these actions taken by JPMorgan Chase Bank and take appropriate measures to ensure such misconduct does not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My most recent credit report contains accounts that I believe were added without consent and are incorrect. Please remove these fraudulent accounts from my report right away.

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