vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: GA

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 XXXXXXXX 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to formally complain about U.S. Bank 's refusal to process three of my financial applications due to my inability to provide a physical address, which I am not required to have under applicable regulations. 

Since XX/XX/XXXX, I have been traveling full-time and do not maintain a permanent physical address. I rely on a mail-forwarding service to manage correspondence and financial matters, which is a valid option under Know Your Customer ( KYC ) regulations for individuals without fixed addresses. 

However, U.S. Bank informed me that their policy requires a physical address. I spoke with XXXX from U.S. Banks customer authentication department today ( XX/XX/XXXX ) and previously contacted the department on one other occasion ( just before XXXX ). XXXX refused to escalate the issue or request an exception to this policy and did not provide any alternative solutions. 

This refusal has caused significant hardship : - I have been unable to purchase online services essential to my non-profit organization, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which hinders its operations. 
- I can not properly separate personal savings from tenant security deposits and my fathers rental property funds, complicating accounting and compliance.

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 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: GA

Complaint narrative:
In XXXX, I opened a money market account with Synovus Bank. My checking account and CD were already enrolled in paperless banking, so I assumed the new account would follow suit. However, Synovus enrolled my money market account in paper statements without notifying me, and I was subsequently charged a XXXX XXXX monthly fee for this service. These charges have been applied since XXXX. 

When I visited the branch on XX/XX/XXXX, the relationship manager confirmed that my accounts were supposed to be enrolled in paperless banking. Despite this, I discovered in XXXX that I was still being charged for paper statements and remained unknowingly enrolled in them. 

When I called my relationship manager on XX/XX/XXXX, he explained that Synovus ' default process is to enroll new accounts in paper statements, which automatically incurs the XXXX XXXX monthly fee. While he credited me for two months of these charges, he stated he couldnt assist with the rest of the fees at that time. 

I find it concerning that Synovus defaults customers to a chargeable paper statement service rather than opting them into paperless banking by default. This practice feels deceptive, as it creates unnecessary charges without proper communication or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-30 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.

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 2024-12-30 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit file. 
Accounts to be Blocked and Deleted 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit file. 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/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 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I HIRED LEXINGTON LAW FIRM TO REPAIR MY7 CREDIT AND THEY DID NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I tried to get this resolved to reflect correctly on my account and was denied information I was threatened that they would continue to report on this matter until a payment is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

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. 

List of Unauthorized Inquiries : 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 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 2024-12-30 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: GA

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. 

List of Unauthorized Inquiries : 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 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal say money will be available in 30 day of limited. now they say 180 days waiting without giving me an explain of how i fraud paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
NewRez bought my mortgage company XXXX home loans in XXXX. Since then I've had nothing but issues with my mortgage payments. It started with NewRez saying that I didn't pay my taxes, so they claim they paid them for me. I contacted them about it and I was told to contact XXXX. When I call XXXX, NewRez now answers the phone because they bought the company. They say they have no information on it, but yet they've continued to charge me for it. This isn't the only issue. The bigger issue is that I've now contacted them twice about my force placed insurance and they tell me they'll remove it and update the account with a refund but NEVER follow through. 

On XXXX XXXX XXXX XXXX XXXX I contacted the insurance services with NewRez, the call lasted 44 minutes 10 seconds. The lady at the insurance dept. with NewRez called my insurance company XXXX XXXX with me on a three way call. XXXX XXXX sent an email to the lady in the NewRez insurance dept. with all the documentation and proof that I had NEVER had a lapse in insurance. The lady with NewRez assured me that the account would be updated and I would receive a refund to the account within 14 days. That hasn't happened and its been 38 days now. They've also charged me AGAIN for this month another {$390.00} which is WRONG! 
NewRez has charged me XXXX XXXX XXXX  in fraudulent force placed insurance which I NEVER should've had to start with. 
I pay {$180.00} a month for home owners insurance through XXXX XXXX every month and NewRez charges me various amounts each month as well. My payment has went up over {$500.00} a month in the past few months and I can't afford to keep paying these fraudulent fees each month. 
I need help with this URGENT matter ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: OK

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to urgently address significant errors, discrepancies, and unauthorized accounts appearing on my credit report. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately.

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 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
When I applied for this loan, I could have sworn the original paperwork advised a 9 % interest rate. As it turns out the interest rate charged was 59 % APR. I borrowed {$8100.00} ... .after all payments were made, I paid back over XXXX. The XXXX of Georgia as my understanding has a 35 % cap on loans of this kind. When I signed the paper work it was at a time in my life when I was under a lot of duress as my husband was in XXXX XXXX and XXXX. He passed away XX/XX/XXXX, XXXX If the interest rate at the time was known to me, I never would have signed this loan.. I would like to know if there are any avenues that I can take to recoup some of the interest that was paid to this company. There should be red flag warnings associated with this company. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I'm still in forbearance but the interest kept increasing ( currently at XXXX XXXX  ). My loan servicer is MOHELA. 

I submitted my tax returns last XX/XX/XXXX and the IDR was meant to renew on XX/XX/XXXX. I needed to know how much my monthly payments are going to be but I haven't received anything from them yet. It still shows my monthly payment as {$0.00}. 

MOHELA customer service hadn't been helpful at all, tried to contact them before in regards to this but was literally on hold for 2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I just found several inquiries from your company on my credit report, and Im beyond upset. I never authorized them, and now my credit score is taking a hit. This is directly affecting my ability to manage my finances, and Im tired of dealing with the fallout

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 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Hello, I am a victim of fraud identity theft. I received an alert notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that Credence Resource Management flagged my account for collections. I have never had any collections nor do I have any XXXX XXXX XXXX accounts that would be in collections for {$130.00}. This was the first I had even heard of this and the company is a fraud company stealing people 's information to report collections. I googled the collections company and they have many reports of fraud trying to scan innocent people by trying to collect debts that are fraudulent. I have never missed a payment as you can see on my credit report and ALL my account are in excellent standing. I reported fraud on all the credit bereau 's and immediately entered disputes with XXXX XXXX XXXX XXXX immediately removed the fraud collections from my report and XXXX dispute is still pending. I am requestioning this be removed immediately from my credit report as this is impacting my score and I should not show anything in collections. This company is fraud and needs to be reported asap! Please see their reviews online as they are scamming innocent people like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XX/XX/year> your company ran my credit without authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XXXX XXXX XXXX your company ran my credit without authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
2nd NOTICE : The first CFPB report number XXXX XXXX  I stated that Security Finance is reporting different information to the big 3 credit bureaus and I requested a factual investigation. Instead of a factual investigation and removal of the non-factual and accurate up to date information Security Finance sent me " validation '' of this debt. FCRA requires companies to report accurate, up to date and factual information.

Company response to consumer: Closed with explanation