vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
I am writing to formerly dispute and request the removal of unauthorized hard inquires 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 credit worthiness. I kindly request that you investigate these inquires and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. $ 1681b ( PERMISSIBLE PURPOSE ). 

DETAILS OF INQUIRIES LISTED BELOW : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I believe that the inquiries made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C $ 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. However, they proceeded to make multiple hard inquires on my credit report 15 U.S.C. $ 1681bof the FCRA explicitly defines permissible purposes for accessing consumer credit reports. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organization in questioned did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion has jeopardize my financial information and a great risk to my livelihood by not locking my report as I requested and for reporting false information about my history. So Im having to spend extra money to protect myself with lifelock that costed a lot. Sharing my information without me knowing is violation of 15 USC 1682. Please give me some help in this manner.

Thanks

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} YOU BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and t his inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 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. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I opened an account with American Express ( XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Part of the promotion they were offering was {$200.00} back if {$2000.00} was spent in the first 6 months. I met that requirement on my first transaction. 

In XXXX I contacted AMEX inquiring as to when the reward would be applied. I was told it would take 8-12 weeks. So I waited. 

I then contacted them again on XXXX making another inquiry. I was told that my account was a part of a group of accounts affected by an issue that was preventing bonuses to be applied. They opened a case # XXXX. So I waited again. 

I contacted them again on XXXX. I was then told that my investigation had been closed and my account was under review by a dedicated team. And a new case was opened. # XXXX. I was told to check back if I didn't see the {$200.00} credit in 10days. In this same conversation the rep said that the credit was to have been applied on XX/XX/XXXX and they also acknowledged that I in in fact had met the spend requirements to receive the credit. 

I then contacted them yesterday on XX/XX/XXXX. I was given the same runaround as before. That it was being looked into and addressed. I escalated to a supervisor and given the same cookie cutter replies. There was no attempt made to resolve the issue. 

This is horrible customer service and they are not honoring their end of the agreement/promotion. There appears to be some disconnect or worse ineptitude happening. 

I have been beyond patient. I am not the only one with this issue either. There are posts on XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, 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. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

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 2023-11-20 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: PA

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, 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. XXXX, Experian, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

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 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Starting XX/XX/XXXX, my monthly mortgage payment was increased by {$410.00}. I contacted my current mortgage lender, Shellpoint Mortgage, to find out why my monthly payment amount increased and I was told that they added the lender paid home insurance premium on my account. I immediately sent the copy of my home insurance policy to Shellpoint Mortgage and confirmed with their customer representative they have received my insurance policy. However, they didnt remove/credit/waive the additional {$410.00} and require the master insurance policy for my condominium. Then, I provided our Homeowners Association and XXXX XXXX XXXX contact information to Shellpoint Mortgage so Shellpoint can request the copy directly from them. As of today, Shellpoint has not yet waived the additional monthly fee of {$410.00} and have charged 5 % penalty for the month of XXXX and XXXX because I refused to pay for the {$410.00}. The mortgage loan was initially from XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, then XXXX XXXX  sold the mortgage loan to Shellpoint during pandemic. The homeowner insurance was not required when I got the mortgage from XXXX XXXX in XXXX. Shellpoint added the requirement for requiring borrower to obtain additional homeowner insurance coverage. My annual homeowner insurance premium is less than {$500.00}. Shellpoint Mortgage charges the borrower ( me ) to pay for lender paid home insurance for {$410.00} monthly premium because they added this new requirement without the mortgagor agreement. I have clearly mentioned during the calls with the customer service representatives at Shellpoint that I refused to pay for the fees which I am not responsible for, not to mention I have my homeowner insurance coverage in place and have provided the policy to Shellpoint. Shellpoint Mortgage refused to waive/remove the {$410.00} lender paid home insurance premium and 5 % monthly penalty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX XXXX marked it as a duplicate of CFPB complaint XXXX to prevent from having to respond. This is the second time they've employed such tactices because on or around XXXX XX/XX/XXXX I filed CFPB Complaint XXXX. Instead of reading through the complaint and examining the attached documentation, XXXX XXXX XXXX AGAIN chose to close the complaint and mark it as a duplicate of complaint XXXX. However, whereas complaint XXXX was regarding account XXXX and the data furnished to XXXX, complaint XXXX was regarding XXXX and the error in the Date of First Delinquency -- It says that in the first few sentences of the complaint. XXXX XXXX has a habit of closing out complaints when it does not like to respond in an effort to avoid dealing with the issue. In this case XXXX XXXX is most likely closing out these complaints because it knows or has reasonable cause to believe the information it is furnishing to Equifax for XXXX is inaccurate. [ ORIGINAL COMPLAINT ] : On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX Account/Tradeline in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, makes clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the CRAs and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was determined to be permanently XXXX in XXXX and was receiving XXXX XXXX XXXX  for several years. Sallie Mae/Navient was made aware of the situation and never advised me that I would qualify for loan discharge/forgiveness due to my XXXX. My original loan of approximately {$67000.00} for XXXXXXXX XXXX XXXX XXXX  combined has ballooned to nearly {$300000.00} after 25 years of being in repayment, I am XXXX XXXX XXXX and have no hope of ever getting this loan paid. I was forced into bankruptcy in XX/XX/XXXX after a XXXX XXXX and resulting debts, have been homeless and working menial jobs trying to keep a roof over my head. I need assistance obtaining the student loan discharge/forgiveness that should have been offered to me more than a decade ago. 

In addition, instead of offering me income-based repayment options that would count toward a 25 year loan forgiveness, Sallie Mae/Navient continued to threaten me with default and informed me that temporary forbearance/deferment were my only options, which I now know is untrue. I have more than paid the original principal loans and yet am saddled by an ever increasing debt I can never pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/, I made an online purchase from XXXX XXXX XXXX XXXX It was a transmission that totaled $ XXXX discovered that there were two {$1300.00} taken out of my account totaling $ XXXX notified my local Chase Bank that there XXXX XXXX {$1300.00} taken out of my account that I did not authorize. On XX/XX/2023, Chase refunded me the {$1300.00} that was taken from my account which was not authorized. On XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they could not find the transmission that I ordered from them and gave me back the {$1300.00} refund. On XX/XX/2023, Chase Bank saw that XXXX XXXX XXXX XXXX gave me the refund because they didn't have the part deducted {$1300.00} from my account forgetting that Chase was refunding me for the unauthorized {$1300.00} that was taken out of my account.I called the bank about the matter of Chase was paying for the unauthorized {$1300.00} taken from my account and was told there was nothing they could do about the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX XXXX 
Definitely XX/XX/2023 I never received anything from Them either.onemain finance XXXX XXXX, XXXX  XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED XXXX  NOT 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 2023-11-20 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: FL

Complaint narrative:
Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief