vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: QC HOLDINGS INC
State: KY

Complaint narrative:
I would like to report this establishment. 
Lend Nation XXXX XXXX XXXX XXXX, Ky XXXX I went up to lend nation to get a loan. I was told that a loan was already taken out for {$500.00} under my account information. 
I did not authorize this loan. The signature does not match my signature. I also was somewhere else while this loan was getting taken out. This was not 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 explanation
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U. S. C 1681 section 602 A States I have the right to privacy 15 U. S. C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This was a military store card a Aafes and they overcharge me for uniforms and interest rates and I could not get them to make adjustment to the billing they overcharge me on several transactions and several purchases

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 2024-02-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, i looked at my report. I sent a letter to EQUIFAX on XX/XX/XXXX asking them in reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ( ii ) the information is, in fact, inaccurate.

EQUIFAX really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, w

ritten nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-02-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: MN

Complaint narrative:
Your format does not work for me. I have an XXXX  ( XXXX XXXX XXXX ) against my ex-roommate. He has been living with me paying no rent, not working and studying conspiracy theories on the web and XXXX. He has some hacking skills. He is XXXX XXXX and a XXXX. He had been trying proove to he was right about the XXXX and being able to pay bills with just the payment coupon from ones XXXX XXXX  that is set up at ones birth. He managed to convince XXXX companies that he had paid the account in full. They believed him for a few days they did an investigation and decided he was delusional about the payment as they could find it. XXXX immediately ran both of those cards balance back up to max. The credit card companies added back the original balance. So both XXXX XXXX XXXX and XXXX were now doubles and over my limit by thousands. He attempted this with all my cards and bills. He also claimed that there was fraud on my mortgage paperwork and I will get my house for free. I admittedly told him he was wrong. The n he gets very angry, XXXX XXXX XXXX XXXX XXXX. And some times he XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of his threats was that he was going to take my house and put me on the street. Well with my XXXX  he is on the street. I was researching the history of my property and found he somehow had added his name on the site XXXX XXXX  times. I voiced my concerns to the website made a FBI report, but further research stated reporting to the FTC, you XXXX  a police report. He has been telling friends and acquaintances that he owns the and is taking it from me. XXXX XXXX also has been talking about taking his dad 's ( XXXX XXXX XXXX ) house in XXXX, MN and putting him out on the street as well. XXXX had already had his name put on his dad 's property tax statement. He attempted Togo back to court to have my XXXX  removed, b you t he filed a motion instead of an appeal. I have become insolvent through all this and have enlisted XXXX XXXX XXXX to help me get back on track. Also during this time my debit card had been having fraud on it. My Credit Union ( XXXX XXXX XXXX ) shut down my debit card and will not issue me another new XXXX or even a plain ATM card. XXXX XXXX ( no middle name born XX/XX/76 ) is reportedly living in a storage locker in XXXX XXXX. I continually monitor what I can of my accounts. XXXX would go through all my stuff and paperwork when I was at work or out of town. My mortgage is currently held and serviced by US Bank they have been very understanding and helpful. I have no proof that XXXX is responsible for my debit card fraud. Others around me are convinced that he is.

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 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
XXXX is taking almost a month to post my payments. They are currently damaging my credit because they are reporting that I am more than 50+ days delinquent. I am not. I owe for this current month of XXXX. I mailed them payment during the last week of XXXX. Today I received a letter from them stating foreclosure is immanent. Once again, I am not even a month behind. I have called several times and been told I can pay to do a stop payment on the check and pay them some other way or send my payment to a different location other than the one listed on the payment statement. The payment has already been sent, so I can not change it's address. I used the statement coupon that had their pre printed address. I have no reason to believe that they have not received the check as they have cashed the XXXX payment that was sent at the same time. My bank says they need appropriate time to stop payment, and I am currently dealing with financial hardship and can not afford for XXXX to process double payment. 
The representative was rude and behaved as if she thought we were " adversaries '' in the street. I had to ask her why she was speaking to me in sick a manner. 
XXXX is currently holding $ XXXX in escrow over payment because they say my mortgage is not current. Once again, payment have been submitted for every month except this one ( XX/XX/2024 ). 
I asked to speak to someone that could help, I was denied. I also informed the representative that I felt I was left with no choice but to complain to all financial regulators and was told to " do what you feel ''. Please help me and all Alabamians subject to this terrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
The company did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: DC

Complaint narrative:
I didn't furnished any of these accounts or any inquiries to be on my credit report I didn't establish any new credit with any of these companies that are pull my credit profile without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/year> I signed a RETAIL INSTALLMENT SALE CONTRACT to purchase a brand-new vehicle from XXXX XXXX XXXX with Hyundai Capital America doing business as Kia Finance America financing the loan. I was under the impression that Kia Finance America gave funds on my behalf to purchase the Vehicle. When I contacted XXXX  XXXX XXXX, I was told that the establishment was under new ownership and no longer has any records of the purchase. I did further research and found that there was already a debt associated with the vehicle and the debt in fact belongs to Hyundai Capital America. They actually transferred the debt to my name and never finance any loan. The debt tied to the lien on the vehicle 's title does not belong to me. I asked for proof of how the loan was paid out to the dealership and did not receive any correspondence. I believe that the company has used false and misleading language and advertisement to get consumers to sign over their security interest under the false pretenses of " financing a loan ''. I am left with a debt that does not belong to me. I did not receive any valuable consideration in exchange for the security interest that was transferred to a trust. I believe this company is committing Securities fraud and I have proof of a prior lien on the Vehicle 's title before ever signing a contract. I was not made aware that I would be paying a debt that does not belong to me in exchange to use the vehicle. The proof also shows that they have been doing this fraudulent activity with all of their consumer contracts.

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 2024-02-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
15 U.S. Code 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S code 1681B Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3400.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX  without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: LEXISNEXIS
State: PA

Complaint narrative:
I have made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought XXXX because XXXX have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix XXXX even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION LEXISNEXIS IS PROVING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: 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 non-monetary relief