vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: MN

Complaint narrative:
I've read on more than one occasion that while the pause is in effect, all payments would be applied to the principal balance, so I kept making payments believing those payments would decrease my loan balance only to find out that my balance wasn't shrinking as MOHELA applied those payments to the interest of the highest loans, and not to the principal as I was led to believe or interpret! I sent MOHELA a letter in XX/XX/2022, which I have attached as well as their response, and a copy of the statement on their website about how any money is applied to the various loans held. 

I am totally confused as to how MOHELA is able to not apply my payments to the principal balance if I'm reading online that if borrowers continued to pay through the pause, all payments would go towards the principal??? I'm totally confused about if my payments should be going to the principal balance or not? 

I stopped paying my loans because the interest will start again, and I'd be right back where I started with paying an amount, and it's not going towards the balance but only the interest. I'm sure others have complained about the interest, but I'm only interested in understanding paying while the pause in in effect, and those payments not going towards the principal? Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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 resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got many inquiries from unknown company to how up on my credit report and I would like them to be deleted asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
An credit card account from XXXX XXXX XXXX which is affiliated with TD Bank appeared in my credit report beginning XXXX, 2022 ( when I supposedly created it ) showing I owed {$1700.00}. I disputed this with all the credit agencies, but they state information is accurate. My credit is locked for at least one year. How could I be issued this account if Ive had my credit locked? Ive made no payments, yet status is 100 % on time payments. Have no access to account. I dont know the account number. And I have no audit trail of transactions that make up balance. Only TD BANK could have established this account, and it is a total fraud. Account is part of TD Bank Retail Card Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect the information. Please note I submitted information prior and Transunion has not timely resolved this.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax has reported me as deceased they are a bunch of idiots I am very much alive this problem needs to be rectified now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX  I logged into my UWM account to check my escrow balance and was shocked to find that it showed I was 38 days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my 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 explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had a massive Travel issue with XXXX which is currently going through a Chargeback Dispute with Chase. During this whole process to make a long story short XXXX absolutely screwed me and left me high and dry and took my money. My flight was canceled and moved to the next day. We were originally supposed to get to XXXX XXXX on XXXX and my flight wouldn't get me there till XXXX. To account for this I booked a non-refundable ticket for {$420.00} which ended up being the conversion rate from AUD. I filed this Claim with Chase and was told to go through XXXX, and that has been an absolute nightmare to deal with. I've never seen a backend company so inherently unorganized. They said I can send documents to XXXX and they would be attached to my case, this doesn't work they just don't check the email. Their document upload portal is terrible and I can't upload half of my documents. And the icing on the cake is just how incompetent they are. I've sent them multiple documents via email, their upload center, and verbally explained it no less than 5 times and they can't keep a record. I filed this claim on XXXX and my charges cleared on XXXX and it's been a nightmare. As explained above they can't process information, and at this point their last communication was on XXXX and they've ghosted me and won't talk to me. 

I understand this isn't directly against Chase but Chase provides the benefit and won't intervene. 

To top it all off I had a series of the rudest and most unhelpful reps today. The reps are so unhelpful they do cold transfers to random XXXX departments and they hang up on me when they just don't want to help. In specific I was told twice there is nothing that Chase can do and effectively to pound sand. Why should I even continue to do business with a company that seemingly makes up rules on a whim to benefit them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
This is Cashap stealing {$230.00} from my account. On XX/XX/23 {$1000.00} was deposited at XXXX. At XXXX a transaction from XXXX was made for {$230.00}. They claim I did not have enough to cover the amount and cleared it. After clearly showing {$1000.00} available And allowing multiple transactions to occur since then. Today {$300.00} was deposited in my account and they took the {$230.00} out of my account again. I was given No notice or indications prior to them taking my money today. They never showed Any negative balance on my account and I have had multiple deposits and transactions on that account between XX/XX/23 and now. This has caused me an extreme loss per this was my only funds available that family was giving me to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
See attachments. Also, information that is being listed is tied to an address that is not mine nor is a part of my consumer report. Laws are being broken following the Fair Credit Reporting Act.

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