vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: CA

Complaint narrative:
I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.

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 2023-09-12 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: CA

Complaint narrative:
I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I went to purchase a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I ended up financing a XXXX XXXX XXXX XXXX with balance to finance XXXX. The car came with a 4 year warranty but since I got the car there's been nothing but problems. A little over a year I went to another dealership to upgrade my vehicle but when the dealer asked for a payoff on my vehicle that's when the issue was brought to my attention. The payoff should have been a lot less than what they told the dealer and it was brought to my attention on my paperwork from my vehicle the interest rate was never included on the paperwork. I believe I was taken advantage of my situation at the time and since then I've been unnecessarily paying more than I should along with getting a vehicle that's unreliable adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-12 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: TX

Complaint narrative:
ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON XXXX XXXX I NOTICED THAT XXXX XXXX XXXX HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT XXXX XXXX XXXX XXXX XXXXXXXX XXXX HE ADVISED ME TO FILE THIS 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 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have my Mortgage with PHH Mortgage, I escrow my insurance and taxes. I noticed in XXXX that they took out more for my taxes than the amount owed on the bill. I checked online with the county assessors office and my bill had not been paid. I have called PHH several times since XXXX and they refuse to let me speak to anyone in the escrow department. I called the county assessor again and they told me no payment has been made on my taxes. They finally made a payment of the correct amount of the first installment but not the second installment and there is now an interest charge added of {$190.00} and my escrow account is still missing the original payment of over $ XXXX have been given the runaround when I keep asking where my money is. When I ask to speak to someone in the United States they tell me know one is available and put me on hold and then disconnect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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: TN

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 XXXXe : # 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 non-monetary relief
Consumer complaint received 2023-09-12 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: DISCOVER BANK
State: GA

Complaint narrative:
I have tried to open an checking account at the discover bank seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/23 I sent my payment of {$7200.00} to Discover Bank and asked for written instructions for the acceptance and completion of payment to be done within XXXX business days. There has been no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have tried repeatedly since XX/XX/XXXX to resolve a payment/credit dispute with Comenity. XXXX payments made through my bank 's bill pay system have never been applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent in proof from my bank and complied in every way they've requested. Their online system is always experiencing problems, they do not follow up promptly, and they have made no attempt to resolve the issue. There is {$300.00} floating around somewhere in cyberspace and I am getting no help from the company. I am beyond exhausted and stressed trying to deal with this company. I just want them to fix my account and resolve my credit dispute!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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: TN

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, 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 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 2023-09-12 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: TN

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, 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 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 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Today, XXXX XXXX 2023, I discovered that there had been XXXX unauthorized fund transfers between my bank, XXXX, and Credit Karma account totaling {$5100.00}. I immediately called my bank to freeze all transaction with no response from Credit Karma to that account and was told that I had to wait until those unauthorized transfers posted. 

I then logged into Credit Karma to find that my accountbinfo had all been changed and digital account representatives were unable to help me. After I changed my account info back to my phone number, they could locate my account and I was told to wait for an email to resolve my dispute. I have attempted to contact via email I received several times in effort to prevent the fraudulent funds from being withdrawn when I found that a new card had been requested at the same time as the transactions with no response from Credit Karma. 

In the meantime, several transactions from Credit Karma occurred from New York and nearly all the funds are gone. 

I have screencaps of this occurance and an associated email to the perpetrator as XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime I created an account direct deposit for payroll deposit should have been on XXXX XXXX for XXXX. Spoke with payroll from my Employer and verified it was sent to chime and verified the correct routing and account numbers. I have called and emailed and they just tell me there is no current direct deposits for my account. 
Its now been XXXX days with no resolution and no communication except they dont see a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Hello Consumer Department, I had Old Navy Credit card from last 10 years and never ever miss any payments. Last Talking with XXXX she is so rude from old navy fraud and investigation department, her ID XXXX Fraud Transaction details : XXXX XX/XX/2023 {$230.00} XXXX XX/XX/2203 {$13.00} XXXX XX/XX/2023 {$140.00} Old navy last card, I remember 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 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Constar Financial Services, LLC
State: CO

Complaint narrative:
Again I reached out to this collection company about the car collection that's paid in full and email was sent to them showing proof it was paid off from XXXX. Been 2 months and still no reply to my emails and only reply was to the former complaint that they lied to. I sent the first email and waited 4 days and sent second email. Now 2 months have passed and no calls no emails and no information from this company. They didn't even have the information when the replied to the last complaint. I still have email record from XXXX that the loan is paid in full and will use it as proof of payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX  purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports

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 2023-09-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with fair credit reporting act, this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions, under 15 US c 1666B a creditor may not treat a Payment on an credit card account under and open and consumer creditor 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