vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My name is XXXX XXXX I am a authorized user on XXXX XXXX Care Credit account. on XX/XX/2023 I went to get dental work done at XXXX Aesthetics located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount charged was XXXX after payment was applied I got temporary veneers put in my mouth I was told that remaining amount to complete XXXX  XXXX  work for the next visit would be {$860.00}. I was scheduled to have work completed XX/XX/2023 however as of XX/XX/2023 I was told that the payment for {$11000.00} was in limbo and it was currently being disputed. XXXX  and the XXXX  card XXXX  both were shocked. I was asked to submit a sign sale slip, and a signed delivery slip along with XXXX XXXX identification. I submitted the things that was I was asked to submit and nothing has happened on Care Credit end and the doctor of practice says I have to pay {$11000.00} cash if I wasn't to get the rest of dental work done. My teeth are incredible sensitive and I have broken XXXX temporary veneers and I live about XXXX  miles from the dental office.

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 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX we went to court against the mortgage company and was given a modified mortgage agreement. In XXXX they sold our loan to another company and the new mortgage company notified me that I was behind thousands of dollars and needed to pay or foreclose on my home. They knew nothing of an agreement and our agreed payment amount. Their calculations show my payments were too low and I was behind. I contacted the original mortgage holder and had no sucess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with TransUnion and XXXX XXXX these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from TransUnion has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to TransUnion as well as XXXX, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from TransUnion asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that TransUnion will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge TransUnion to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that TransUnion and XXXX will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that TransUnion and XXXX provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with XXXX and Experian regarding these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from XXXX has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to XXXX as well as Experian, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from XXXX asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that XXXX will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge XXXX to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that XXXX and Experian will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that XXXX and Experian provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-01-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
XXXX is XX/XX/XXXX. 
This complaint is a new issue that has arisen as a result of a previous issue which has not yet been resolved, where MOHELA has not processed my XXXX application submitted XX/XX/XXXX and acknowledged as received by MOHELA XX/XX/XXXX. As of today that loan is still listed as billing the standard repayments. 
I logged in to Studentaid.gov on XX/XX/XXXX to update my XXXX employment verification and found all my loans listed as ineligible for XXXX  because MOHELA has incorrectly placed my loans into standard repayments instead of the correct XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I was notified that XXXX XXXX XXXX XXXX, Credit Acceptance Corporation, XXXX XXXX XXXX, XXXX XXXX  has knowingly and unlawfully committed fraud under U.S.federal law Code Chapter 41 Title 15 Section 1605 and Title 15 Section 1635, Part B.

I discovered that the truth to disclose U.S. federal law Title 15 Section 1635 has been violated. I have the right to rescind the contract at any time. I rescind the contract for the sale of a XXXX XXXX XXXX XXXX, white XXXX with date of sale milage of XXXX, stock # XXXX, VIN # XXXX. A down payment was requested, GAP insurance and CPI full coverage insurance. I submitted {$2500.00} cash to complete the bill of sale they accepted. I was notified that no amount of down payment should have been requested and added in the sum of all total charges. The fact listed in US federal law Title 15 Section 1605. Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX XXXX XXXX, failed to disclose the legal law I could rescind contract and also due to your request to pay a cash down payment and a cash out of pocket purchase of insurance. The fact listed in US federal law Title 15 Section 1635. I am requesting the full refund of the sum of all total charges and return all down payment, finance amount including finance charges and additional insurance purchased on 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 2024-01-08 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality 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 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 XXXX  consumer report containing any of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the dispute over unauthorized hard inquiries on my credit report. I appreciate your attention to this matter and would like to provide additional details for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On the night of XX/XX/XXXX, i received documents to e-sign for an auto loan application with Ally Financial from the XXXX XXXXXXXX XXXX I instructed The dealership not to submit these docs to Ally because i was Not in agreement with their terms nor the missing information on the documents. 

I reached Out to Ally financial on the morning of XX/XX/XXXX at XXXX and let a voice mail for XXXX XXXX XXXX Ally Financial XXXX. My instructions were to NOT open this auto loan because i did No to take this deal. I further Stated that i would be filing a claim against the dealership for deception. I have called Ally financial several times since XX/XX/XXXX to state that i DO NOT have possession of the vehicle and that it is still at the dealership and this is NOT a deal. The Ally financial never received a copy of my paystubs, employment data, home data, or insurance card, but ALLY opened an account in my name anyway against my will. I have a case # 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 2024-01-08 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: TN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-01-08 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
i NORMALLY SEND MONEY TWICE A MONTH TO FRIENDS OVERSEAS AND THE COMPANY IS NOT LETTING SEND BUT HAVING ME AS ANSWER QUESTION AS HOW LONG I KNOW THIS PERSON AND WHAT THE MONEY IS USED FOR AND THIS HAS BEEN GOING ON FOR 4 DAYS NOW AND I CAN NOT SEND ANY MONEY. THE COMPANY IS CALLED REMITLY.COM AND I HAVE BEEN USING THEM FOR SEVERAL YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-08 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:
I reviewed my consumer report and noticed a late payment on an account that was never late. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumers ' information to the best of their ability with maximum accuracy. I have never been late on payments for the account i have included a screenshot inside this complaint on the dates of XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand that this account payment be updated to paid as agreed on time as they should be since I was never late. Thanks! PLEASE SEE SCREEN SHOT ATTACHED

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