vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: UT

Complaint narrative:
I called the credit card company regarding them reporting on my credit report and found out that they only need the primary users consent to make changes to their card, such as authorizing another user. This company has stated multiple times on the same call that they do not require consent from the person being added just to the person who is the primary on the card, even though this would directly affect the newly added persons XXXX XXXX and credit reporting. This seems like a predatory practice as anybody could be added to a card as an authorized user and would directly affect their credit. 
My husband and I called about authorizing me soley to speak about balance and nothing else. We were not given any information about this showing on my credit and negatively impacting it. Had both of us been properly informed of this we would not have made the decision. I feel that this goes against XXXX regulatory practices and is again a predatory practice on behalf of this financial institution

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.

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 2024-03-30 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Fraudulent Inquiries Despite Identity Theft Report Dear Sir/Madam, I am writing to express my serious concern regarding the handling of fraudulent inquiries on my credit report by Trans Union XXXX Despite multiple attempts to rectify this issue and providing evidence of identity theft, I have encountered significant obstacles in having these erroneous inquiries removed from my credit report. 

On XXXX XXXX XXXX I became aware of unauthorized inquiries on my credit report, indicating potential identity theft. Without delay, I took immediate action by reporting this matter to Trans union and providing all necessary documentation, including an identity theft report. However, to my dismay, these fraudulent inquiries persist on my credit report, causing undue distress and jeopardizing my financial well-being. 

What is particularly troubling is the response I received from Trans Union, suggesting that these inquiries are attributed to a third party rather than acknowledging the clear evidence of identity theft provided by me. This refusal to acknowledge the gravity of the situation and take appropriate action to rectify it is deeply concerning and reflects poorly on the integrity of your institution. 

As a consumer who has diligently followed the necessary procedures outlined by your agency to address identity theft, I implore you to take immediate action to rectify this matter. It is imperative that these fraudulent inquiries are promptly removed from my credit report to prevent further harm to my financial reputation and restore my peace of mind. 

Furthermore, I urge Trans Union to review its protocols and procedures for handling cases of identity theft to ensure that consumers receive the necessary support and protection they rightfully deserve. Identity theft is a serious crime with far-reaching consequences, and it is essential that agencies such as yours demonstrate a commitment to effectively combatting it. 

I trust that you will give this matter the urgent attention it warrants and take the necessary steps to address it promptly. I look forward to receiving confirmation of the removal of these fraudulent inquiries from my credit report within a reasonable timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank purchased my mortgage from my old mortgage company in XX/XX/XXXX. PNC Bank implemented an auto billing of my checking account without my authorization. I refused to sign the paperwork that would authorize it. I made separate payments to the new mortgage company, PNC, without issue. They continued to auto charge my bank account without my authorization, after I had already paid for XX/XX/XXXX, resulting in an overdraft of my bank account. My bank charged me a fee and now PNC charged me a fee of {$25.00}. I never gave PNC authorization to auto charge my bank for mortgage payments and now they are demanding a NSF Fee. My mortgage is in good standing and I have never missed a payment. I am actually a month ahead. 

Again, PNC never received an XXXX authorization from me. I never signed or authorized them to auto bill my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I received this letter XX/XX/XXXX informing me of the debt and that I had until XX/XX/XXXX to respond. Today, XX/XX/XXXX, this debt has shown up on my credit reports before I could submit a dispute. This debt was just assigned to this agency in XXXX and I wasnt notified til weeks later. They moved too quickly in the process putting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
According to THE FCRA I did not give NATIONAL CREDIT SYSTEM ( XXXX XXXX XXXX ) and ( XXXX XXXX ) any permission to furnish any information I did not give written consent or verbal consent, that is a clear violation of 15 u.s code 1681b please remove from my credit report immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I was {$2700.00} in fees behind on my mortgage payment stemming from {$2700.00} being charged to me when they tried to foreclose in XXXX. I paid all of that back in XXXX / XX/XX/2024 & was all caught up. I spoke to Freedom Mortgage several times on the phone ( Im sure I have the calls recorded ) & they assured me they would assign the {$2700.00} to " fees. '' Well lo and behold, they didnt. Its still showing {$2000.00} in fees owed AND a $ XXXX late fee - because the " fees '' - the money I paid in PLUS my regular mortgage payment, was never correctly assigned. 

THIS IS A GOD XXXX COMPANY AND THEY ARE XXXX XXXX XXXXXXXX. IVE BEEN ON THE PHONE WITH THEM COUNTLESS TIMES AND THEY AND THEIR REPS ARE THE MOST UNDER-TRAINED AND INCOMPETENT PEOPLE IVE EVER TALKED TO. THEY ARE DOING THIS TO CHEAT ME OUT OF MONEY DESPITE THE NUMEROUS TIMES IVE BROUGHT THIS TO THEIR ATTENTION.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I was contacted by someone claiming to be XXXX XXXX and was told that there was a problem with the cashing of my automatic monthly payment. Was told that it could be rectified if I make a faux payment using an account called XXXX and was told it was in my checking account, which led me to believe that it was a Chase approved app and I was told to use this app in order to clear up the problem with XXXX XXXX. Seeing that the app was in Payments and Transfers within my account, I believed I could trust using it. The person who was helping me thru the steps required, who was later found to be a scammer, had me enter an amount of {$670.00} which was only supposed to be a faux entry that would allow XXXX XXXX to straighten out my supposed problem. At first I was hesitant to do it, but the realized it was safely set up in my Chase account which was highlighted by the call from the scammer. I went through the process only because the app was in a Chase protected account, which then turned out to not be true. 
The {$670.00} was transferred to an account called XXXX which was a scam account. 
Chase claims no responsibility and refused to return my {$670.00}, even though I explained that the only reason the phony charge went through was because I believed that Chase was totally involved. Had I never had this app from XXXX in my account, I would never have paid out the {$670.00}. I never gave authorization for Chase to place the XXXX XXXX in my account structure but they did it without my permission or knowledge. After all this occurred I wanted to delete the XXXX app and Chase did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an inquiries that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: 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 2024-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs 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 explanation
Consumer complaint received 2024-03-30 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: Self Financial Inc.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX I sent Experian a dispute letter regariding accounts reporting on my consumer file that I never recalled providing Experian any permission or written instructions to furnish a copy of consumer report as stated under 15 U.S. Code 1681 ( a ) ( 2 ). In addition it has been over 30 days I haven't received a response from Experian regarding my dispute as under 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) which in the court of law is the same as consent that the accounts in dispute were not legally provided the permission or written instructions from the consumer to whom it relates as per the Fair Credit Report. The accounts XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were the accounts included in my dispute and they should be deleted from my report in accordance to the Fair Credit Reporting Act.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I sent Equifax a dispute letter regariding accounts reporting on my consumer file that I never recalled providing Equifax any permission or written instructions to furnish a copy of consumer report as stated under 15 U.S. Code 1681 ( a ) ( 2 ). In addition it has been over 30 days I haven't received a response from Equifax regarding my dispute as under 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) which in the court of law is the same as consent that the accounts in dispute were not legally provided the permission or written instructions from the consumer to whom it relates as per the Fair Credit Report. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were the accounts included in my dispute and they should be deleted from my report in accordance to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/2024, I was approved for an American Express XXXX XXXX XXXX card. In the original terms of service and terms and conditions of the this particular card. It stated that there is no preset spending limit and limits be calculated by paying your balances on time, no late payments and depending on how much money you receive your limit will fluctuate or decrease. However I was declined a purchase XX/XX/XXXX. I call customer service support specialist and told them I was declined purchase. The specialist told me that I had a preset spending limit of {$1000.00}. I asked them how so because my account was just opened. He assured me that as he looked at my account it showed that my spending limit was indeed set to {$1000.00}. This leads me to believe that American Experess is engaging in false advertising and misleading information. I would like to also file a claim with the SEC as American Express has violated their rights and abused their set forth rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I XXXX review to see if this is actually an inquiries that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such inquiries and also other document so I XXXX review to see if those inquiries actually belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
There is a big difference in the wording of a late payment and missing payment. All I asked the company to do is give me credit for paying the late payment instead of inaccurate information about I missed a payment

Company response to consumer: Closed with explanation