vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: HI

Complaint narrative:
I believe the account is invalid. XXXXXXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-12-18 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXXXXXX XXXX and I had got behind and paid the charge-off through LTD financial services because XXXX XXXX XXXX XXXX XXXX had sold the credit Credit item to LTD and I paid the item with LTD over the telephone back in XXXX  LTD agreed to have the account removed off of my credit report

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was incarcerated in federal prison since XXXX, during that time my credit card was being used without my knowledge and permission. When I was released on XX/XX/XXXX, I was contacted by Navy Federal Credit Union Collections department that advised me that a payment was due on my credit card account and that it was closed due to nonpayment. I expressed my concern and shared that my account balance should be paid off and funds to pay my credit card was left in my checking/savings account therefore, my account should still be in good standing. At this time is when I found out that my account was maxed out and I immediately filed a fraudulent claim. I provided the fraud department supporting evidence which included my prison release documents, prison ID card, police report, FTC report, and proof of other unauthorized activities with other consumers. After the submission, I was advised that the investigation would take 15 days which had soon expired and I had to reach back out to the fraud department to check the status. At this time I was told that my claim was denied because they had not received no evidence and had nothing to prove otherwise. Therefore, I resubmitted the supporting evidence and was told to wait 15 business days for a determination. My claim was denied for the 2nd with no explanation besides that I still owed $ 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 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
My solar loan lender '' sunlight financialXXXX XXXX '' was making advanced payments to my contractor XXXX XXXX prior to work being completed, permits taken, inspections passing and XXXX issued.My lender also did not do their due diligence PRIOR to paying contractor. 
Now sunlight financialXXXX XXXX is demanding payments.There were many violations that XXXX XXXX violated and was obvious to Sunlight Financial.I have repeatedly spoken and emailed Sunlight financial over the past XXXX and a half years that the panels were not properly installed, no permits etc.XXXX XXXX  eventually removed all panels from my roof, leaving the connection box attached to my house and stored panels in my backyard and now my roof is leaking and mold has formed.Sunlight financial was informed of all this and they ignored me.My city is threatening to fine me for violations and i have to appear before the magistrate. 
I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone { per loan contract } and any documentation giving Sunlight financial/XXXX XXXX permission to pay XXXX XXXX in advance without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: MA

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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 non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
My account is closed, but I've been making my monthly payments to pay it off. Today should have been my last payment in the amount of {$240.00}. However, when I called in to confirm the payoff amount, I learned the actual balance is {$970.00} which isn't showing on my account online or on the statements. The billing statements are never accurate and does not include the amount paid towards interest or the interest-principal breakdown. I don't know where this other amount is coming from or how it was incurred. When I called the second time on XX/XX/2023, I spoke to XXXX XXXX and asked him to send me an itemization of my account after explaining the issue. He said he didn't know if he could do that and asked if I work with XXXX XXXX. When I told him no and never heard them he told me he'd tell me what the difference is for as soon as he figured it out. I told him I wanted an itemization of my account mailed to me because I have a meeting in a few minutes and couldn't continue to hold. He said in a forceful manner just hold on and I'll tell you then put the call on hold. I had a team meeting at work and had to disconnect. So I sent a certified letter requesting the itemization on XX/XX/2023. I've noticed even after paying the {$1.00} showing for on the account that the payment was accepted and withdrawn from my account, but the amount is still showing due and accruing interest. I'm not sure what they are doing or why they don't want to provide the itemization. The billing practices is questionable and statement are incorrect most days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: MO

Complaint narrative:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I am a victim of identity theft and did not receive notification and there is an address on my credit report that is not mine. I have never lived at XXXX XXXX XXXX XXXX MO XXXX. This address is tied to a fraudulent account with XXXX XXXX MN. 

My rights are being violated

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened my Wells Fargo Cash Back credit card a couple of months ago and have been using it without issues since then. I typically run up the balance and consistently pay it down by making payments every 2-3 days. I've not had an interest charge yet and have made about {$150.00} in rewards and {$200.00} in bonus. I went to make a payment today and got an error saying " You've reached your limits of payments allowed to this account from non-Wells Fargo accounts ''. I called in and they advised me it was a tactic to have customers sign up for a Wells Fargo checking account. When I mentioned CFPB they said they could take a payment over the phone.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, yet they are being reported as such.

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 2023-12-18 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: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX, XXXX reporting wrong names & other things on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
XX/XX/2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. 

My {$210000.00} is still held in XXXX XXXX and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2023 a hard credit check was done by XXXX followed by a charge and balance amount of {$3400.00}. Called XXXX on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by Barclays Bank of Delaware, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from Barclays Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies

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 2023-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a XXXX XXXX Capital One Credit Card Holder who pays an annual fee of {$390.00}. I paid my annual fee this year in XXXX, and as part of that annual fee, should receive a {$300.00} annual travel credit to use in the travel portal. 

I never received my {$300.00} annual travel credit, so I called their customer service line to resolve this issue. Now, over 4 weeks after my initial phone call, and multiple phone calls back to get an update, they have yet to issue me my {$300.00} annual travel credit, and I have no way to know if they ever will. 

They have not provided me with any timeline as to when they will resolve this issue, and I have heard conflicting information from different customer service representatives.

Company response to consumer: Closed with monetary relief