vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 Section 604 A Section 2 : It 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 2023-05-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize this inquiries it was done by the creditor without my permission

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 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was overcharged on interest rates for the duration of my loan.

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 2023-05-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Myself and my XXXX signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXXXXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, XXXX, and Equifax have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a FTCA report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: TX

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 Section 604 A Section 2 : It 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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper/Nationstar on XX/XX/XXXX. When I was notified of this transfer, I immediately applied for auto pay with Mr. Cooper to make absolutely sure my mortgage was covered for XX/XX/XXXX. Unbeknownst to me, Mr. Cooper did not process my payment through the auto pay system so it showed that I did not pay for XX/XX/XXXX mortgage payment. The auto pay system went into effect on XX/XX/XXXX, so the late payment kept spilling over for the next 6 months. 

Mr. Cooper/Nationstar then reported to the credit bureaus that I failed to pay 4 payments and that lowered my credit score over XXXX  points from around XXXX  to XXXX. All of this was while I had more than sufficient funds to pay the loan off in full in my bank account. I did not realize the hit until I tried to apply for a new mortgage and my credit was lower than usual. My history of paying mortgages was flawless up until the events of XXXX XXXX XX/XX/XXXX. 

This event has hurt my credit very badly and I feel this error is not my fault as I believed the autopay covered that payment on XX/XX/XXXX. I had zero idea they did not process that XX/XX/XXXX payment until they let me know in the fall of XXXX. Afterwards, I payed an extra payment in XXXX to cover everything. 

I requested an investigation to their research department and it came back as no errors on their part and they refused to fix this with the credit bureau. I desperately need the CFPB 's help on this matter as Mr. Cooper is failing to cooperate and fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Charged way to many over draft fees

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 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Universal XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX  there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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. The List of accounts below has 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 XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2023 I had {$3200.00} on my XXXX  ( XXXX XXXX  ) I went to transfer it to my bank but didn't realize that the account was an old account from Chase Bank that was already closed. I have contacted both XXXX and Chase Bank to they keep going back and forth and still have no money. 

When I contacted Chase they stated that they reversed the transaction. They provided me with these two numbers : Trace # XXXX Trans # XXXX They stated that XXXX XXXX  ( XXXX XXXX XXXX ) has the money and XXXX says that Chase told them that they had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: NV

Complaint narrative:
This is regarding the final invoice for my XXXX XXXX XXXX XXXX leased from XX/XX/XXXX to XX/XX/XXXX. Leased out by Volkswagen ( VW ) financial. 

I have a copy of a work order from the XXXX XXXX ( Nevada ) service department that shows that I brought the vehicle in for repairs XX/XX/XXXX and the car was not repairable till the end of my lease in XX/XX/XXXX. I have basically had no use of the car despite having made payments on it for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had no idea that I had to do a formal turn in of a vehicle that was already at the dealership in a non-functional state. I assumed that they would have contacted XXXX XXXX to ground the vehicle at the expiration of the lease on XX/XX/XXXX. As soon as I learned that I needed to contact VW financial myself rather than the dealership, I did so on XX/XX/XXXX. 

I contacted VW customer service on the phone, and they recommended that I email the customer service for the financial department a document showing that the vehicle was in fact at the dealership through the end of the lease and not in use. I sent them that document and an email explaining the circumstances to them about 10 days ago and resent it 2 more times in the past week without any response. 

My request to VW is update the amount I owe after removal of the excess past maturity fees ( approximately {$900.00} ) and the late fees ( approximately {$50.00} ) since I was not even using the car past the lease date. 

Thank you. 
Sincerely XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My complaint is about Discover Bank. I had my XXXX account attached to my Discover account. At some point in the last year or so, I was informed by Discover that I would no longer be able to use XXXX with their app. When I tried to use XXXX with another bank, as I had done before I opened the Discover Bank account there was an error message. When I contacted XXXX I was told that Discover has not released my token and I can not use XXXX until the token is released. When I contacted Discover, they said that they had released the token and the problem was on XXXX 's end. 
I am an independent contractor and some of my jobs prefer to use XXXX and this is becoming an increasing problem for me. It is taking longer for me to get paid and I now have to pay for instance transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I have been contacting this company to send a Notarized letter of lien release for the past 4 weeks. I initially contacted them on XX/XX/XXXX to fax the letter to XXXX XXXX XXXX XXXX. They said it would take 3 business days at most- it ended up taking 4 business days ( the following Thursday ) to fax it according to them. The state title bureau never received a fax from them. 

I called them the following day again ( XXXX XXXX XXXX XXXXXXXX ) and they said they can mail it out to me this time. So I requested that it be send out as expedited, because I was growing impatient. They ended up mailing it out as regular mail on XXXX  XX/XX/XXXX ( according to them ). I have not received a mail as of today ( Tue, XX/XX/XXXX ). 

I called last week Wednesday XX/XX/XXXX to ask them to both mail AND fax out the letter of lien release again since I could no longer trust them. I called yesterday ( Monday XX/XX/XXXX ) to follow up on the request. The Hyundai Motor Finance says they never received such request. I put in a new request again, and asked them to mail via expedited mail. They then took my XXXX account number, saying I had to pay for it, even though I had been asking for a month now. 

I have contacted them for weeks upon weeks with no provable action. No tracking number. All they say is they have done it, but all we have are their words. No letter. In the eyes of the state, my vehicle is still owned by Hyundai Motor Finance - 3 months after having paid off the vehicle loan. I think HMFUSA is discriminating me based on my XXXX name. 

The original title was mailed out to my old address, even though I had changed my address. The post office and the old apartment says it would have gone back to the sender. This was back in XXXX. HMFUSA should have my vehicle title. Where is it?

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 2023-05-09 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) 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 Section 604 A Section 2 : It 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : BRCLYSBANKDE/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Morning Team Experian Credit Bureau Charging my account adding Inquiries in my file I never heard of I had talk to the Department to remove the wrong stuff what was added to remove old address Department told me nothing the Credit Department can do to get it off. I put in a fraud for vehicle i havent seen it called customer service for they added in my file.

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 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.

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 2023-05-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX ( XXXX : Fay Servicing ) has put our home in Foreclosure. We have not received a Statement from Fay Servicing for about a year now. We can't seem to get anyone to call us back, or give me a current statement since XXXX of XXXX. We have emailed the Vice President of Fay Servicing and called on a daily basis. Our efforts to pay all the back payments have been in vain as no one will return my calls or by law give me the paperwork I need to try and take care of this issue, The longer Fay Servicing puts us off the more interest they add to these back Mortgage Payments. According to the letter we received it is required by law to furnish me with the paperwork I have been requesting since XXXX of XXXX

Company response to consumer: Closed with explanation