vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX I was notified by the lender that I did not qualify for the purchase of my home, and need a co-signer. After speaking with family friends, they decided they were not comfortable with moving forward. And as a result the loan was denied. I have requested a copy of denial letter from lender, and have had no response. I have also requested my Earnest Deposit money be given back to me in the amount of XXXX. The builder is now stating that they do not have to give any monies back and that they are only willing to give me half of monies. However, they are no longer responding to myself or my Relator to discuss this concern. 

I believe that they violated regulation B with regard to providing me with the application update within 30 days of this process. The builder and lender are causing delays resulting in me and my children being homeless. The stress, uncertainty, and unpredictably of this loan process, left myself and children completely traumatized. This experience has been a complete nightmare causing extreme XXXX and distress. Not to mention that the Earnest Deposit is my hard earn money that I have saved as a single mother. I would assistance in resolving this urgent matter. 

Thank You Kindly, XXXX 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 2024-01-24 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: WLCC
State: MO

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My student loan servicer reported that I owed XXXX when I only owed XXXX, effectively dropping my credit score by XXXX points. I need to move, so this drop in my credit score is significant. I have been extremely stressed out about this and have felt sick since seeing the incorrect charges on my credit report. My student loan servicer is 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 2024-01-25 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: MA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts in my report. Please remove this fraudulent 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I changed my account payments using my XXXX XXXX XXXX XXXX Account of XX/XX/XXXX to pay Firstmark Services. I received an email stating that the changes were made. On XX/XX/XXXX, I made a payment and was under the impression the account was credited. On XX/XX/XXXX stating my payment was returned, which can not be as I personally double check the information for accuracy. On top of that, they added the .25 % back to my account, without any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.

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 2024-01-25 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: FL

Complaint narrative:
Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.

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 2024-01-25 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: IN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I have an account on my credit profile that isn't mine. Also unauthorized inquiries

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 2024-01-25 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: NJ

Complaint narrative:
I have an account on my credit profile that isn't mine. Also unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
0n XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car Dad. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX  XXXX dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
DONE IN GOOD FAITH ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my 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

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 2024-01-25 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: IL

Complaint narrative:
This inquiry was conducted by the creditor without my consent, and it must be promptly expunged.

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 2024-01-25 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: MA

Complaint narrative:
Experian allows consumers to create an online account at experian.com. This account lets consumers view their credit information, including their credit reports. 

On XX/XX/XXXX, due to the XXXX data breach, I placed a " freeze '' on all my credit data. On XX/XX/XXXX, while attempting to " unfreeze '' my Experian report so XXXX XXXX could access it, I discovered an account referencing my social security number and other personal details that already existed on experian.com. 

Based on the username assigned to the account, I suspected another person known to me had fraudulently created the account. I immediately contacted Experian for additional information. Based on the date when the account was created ( XX/XX/XXXX ) and the responses to the " challenge questions '' ( my last name and the unauthorized person 's birth year, respectively ), I sought additional information from Experian to confirm this fraudulent access to my credit data. Two separate teams at Experian Membership and Fraud were unable or unwilling to help me.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have chime checking and I have two advertisements attached to my car insurance payments saying if I switch I get a refund so I went ahead and switched my insurance from the XXXX to XXXX  insurance today on XX/XX/year> and I called chime and the lady I spoke with said I have to contact the insurance company for that refund so I told her the insurance company is not the one who is advertising this offer its chime and I advised her there is nothing stating if I switch to contact insurance company for this its a ad on chime and I adv her there advertising false information on there application and she still insisted I had to contact the insurance company so is adv her why would my insurance company refund me anything for leaving there company and she just didnt want to hear anything I said so I told her I went ahead and joined a new company just for this ad to get a refund that chime is clearly offering on the payments made to the insurance company she didnt seem to care I think I should be refunded the insurance payment I made to the XXXX  which first showed me the advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I got an email on XX/XX/scrub>XX/XX/24 saying I applied for a JetBlue credit card and that I was approved. I got another email saying the will send me my card in the mail, and the last email I got was saying thank you for going paperless. I never applied for a JetBlue credit card.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house. 


IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction. 

Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that. 


XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card. 


HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?! 


Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me. 

I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank. 

If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.

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 2024-01-25 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA.

They do not care to be legally complaint is a FACT.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA. 
They do not care to be legally complaint is a FACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have had this car loan since XX/XX/year> and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA. 
They do not care to be legally complaint is a FACT.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report fraudulent accounts on my credit report validated through XXXX. The banks, accountable for fixing this identity theft issue, must promptly rectify the inaccuracies on my credit report. The banks, acknowledging a system error, committed to removing these entries : 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 non-monetary relief