vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-24 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:
In accordance with the fair reporter, list of accounts below has violated federally, protect consumer rights to privacy and confidentiality and confidential and confidentiality under 15 US C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Account number XXXX has vilolated my rights. 

XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 US C 1681 section 602 a states I have the right to privacy 15 US C 1681 section 604 section 2. It also states the consumer reporting agency can not furnish account without my written instruction.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information other than the records of convictions of crimes, which atntedates the report by more than seven years 15 USD 1681 S 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-09-24 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:
I couldnt believe my eyes this morning when I discovered inaccurate accounts on my credit report. I have no clue how this happened. I check my report regularly, and everything had always been fine until today, when these discrepancies just popped up out of nowhere. I even tried refreshing my browser, thinking maybe it was some glitch, but the incorrect accounts were still there. This has left me feeling really unsettled, so Im asking that my documents be thoroughly reviewed to prevent this from happening again.

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 2024-09-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I rescinded this contract due to adverse action. They continue to harass me and continue to charge me for a policy that is not valid. This contract has been rescinded and accepted by their agent. There was also a cease and desist mailed certified as well. I have also sent FOIA requests for every declaration page from the start of the original agreement, with no response. This is an unfavorable term to the consumer, USAA continues to bully and harass consumers when they have attempted to assert rights that are equal to those of USAA.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently discovered multiple fraudulent accounts on my credit report that I never opened, authorized, or benefited from in any way. These accounts were created without my knowledge, and I have never received any services or goods related to these transactions. This has caused significant damage to my credit score, and its impacting my ability to access financial opportunities.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-09-24 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: MN

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-09-24 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  LOAN Accounts Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numbers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A secured Loan opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, A personal Credit Card Opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, A revolving Opened at XXXX XXXX XXXX XXXX  Account number XXXX, A Collection Opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( CapitalOne/Walmart XXXX XXXX  ), has violated several of my rights. 

15 U.S.C 1681 Section XXXX A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/year> I requested to make a payment of {$360000.00} on a home mortgage I have with Rocket Mortgage. I owe about XXXX XXXX on the mortgage. 
After asking the lender how to process the payment they told me I can not make a payment in excess of XXXX XXXX of the outstanding amount. I reviewed the loan documents and this was never a condition of the loan. 

I then asked to speak to a supervisor and they told me that it would be fine. I went ahead and processed the payment via wire from my bank. 

After coming home, I received a call from the same supervisor who said she was wrong and it would be rejected. 

I do not understand how it is lawful for a lender to create new terms to a agreement to supersede the agreement without my acknowledgement or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I purchased an AMEX gift card for {$50.00} XXXX tried using the card online and was unsuccessful, the explanation given on the AMEX gift card transaction website was that the merchant had not asked for the Security Code However, It did ask for it and I filled it out. On XX/XX/year> after having waited and tried completing the purchase multiple times, I called the AMEX XXXX XXXX Customer Service for help. AMEX XXXX XXXX Customer Service stated that their was a problem with the card and offered to close the current one and send a replacement. The card was closed immediately, and I was told it would take XXXX business days for the replacement to arrive. It never came. On XX/XX/year> I called for an update and was told it would actually take XXXX weeks. It still didn't arrive. On XX/XX/year> I called again, this time I was told that the card had been delivered even though I never received it. Customer Service closed that card and said they would send a second replacement card that would also take XXXX weeks to arrive. As of XX/XX/year> it has been XXXX  days since the last call and the the replacement card has not arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-24 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Number : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This company radius global solutions has been reporting in accurate information on my report. I previously disputed them because the collection is not mine was removed from my report and they had placed back on there. They are not licensed to operate in my state therefore, there are infringing on my rights ; as well as operating and attempting to do business in a state they are not licensed to do business in.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-24 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: PA

Complaint narrative:
I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few XXXX credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive just found unauthorized inquiries on my credit report, and I have no clue why they are there. As usual, I checked my report, but today, something was off with these unexpected discrepancies. After refreshing my browser, hoping it was an error, the inquiries remained. Please, take the time to review the documents I've provided, so I can be sure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against the CRA 'S due to XXXX XXXX XXXX XXXX XXXX XXXX ) trying to collect an alleged debt that has not been validated. The original creditor, XXXX XXXX has been sent a CFPB complaint. The alleged collection agency, XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or BBB. Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas State Comptroller, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How are the CRA 's allowing an unregistered business to report on consumer reports? This is illegal. Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all 3 credit bureaus. XXXX XXXX has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
it started with XXXX charging me double for insurance coverage to the tune of {$6000.00} and i'm yet to receive refund. I called them months ago and they realized the error of over 2 years of overpayment of my insurance. They advised me I would receive a refund that was months ago. Instead of giving me a refund they have increased my mortgae amount to XXXX of my origival mortgage payment amount. Additionally, I went to pay my mortgage and the amount has increased from {$1400.00} to {$2300.00} per month due to this double charge. when I called to inquire about the drastic increaseI was told that my case was with corporate and that someone would reach out to me. Customer service also told me that they couldn't help me because of the fact that my case was with corporate. That has been weeks and no one has reached out to me and I know they will be charging me a late fee and I don't agree with that. They have also consistently charged me late fees even though their website prevents me from making a payment. I'm now at risk of losing my house due to the unfair and illegal practices of this company and nothing is being done about it. I need a resolution. They have been overcharging me for 2 years and im yet to receive a resolution and this is causing undue stress and hardship

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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I noticed fraud on my account on XX/XX/year> and contacted my bank to cancel my card. Every day after that the charges continued to clear through and new charges were allowed. I spoke to them every day since then. I requested my account to be frozen because of the charges. Now, they are denying all disputes and will not help me when I call in. They allowed over {$1500.00} to be taken and when I call, I get told to wait for email and I can not speak to supervisor or dispute team dirctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TN

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from 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