vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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: Universal Payment Corporation
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I tried opening an account with Chase online, got a denial in XX/XX/XXXX. A few weeks later I got a card in the mail from Chase. Confused I went into the branch questioning why I received a card from them they stated that I was approved for a different account. I tried setting up an online profile was never able to get on. I finally decided to contact Chase to realize the email and phone number on the account did not belong to me. Chase updated the information. I overviewed the account and realized that there numerous of fraudulent transactions on the account numerous totaling {$1200.00}, one for {$890.00}, and another for {$890.00}. Opened a claim with Chase. A week later, I got a letter in the mail from XXXX about an account I did not open. I now realized I was a victim of identity fraud. Filed a police report on XX/XX/XXXX or XX/XX/XXXX, I do not remember the exact date. I also noticed the FTC and all credit bureaus. Explained this Chase, and also explained to them my information was apart of a data breach. Chase is still holding me accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-06 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 XXXX A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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 XXXX A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by AWA CollectionsXXXX. It has come to my attention that the inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
Upon thorough examination of my records, I have found discrepancies regarding the alleged debt referenced in the aforementioned collection account. Despite diligent efforts to obtain validation and verification of this debt, AWA Collections agency has failed to furnish any substantiating documentation or evidence supporting its legitimacy. 
Furthermore, I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and AWA Collections agency promptly removes the disputed collection account from my credit report within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
This is the email we sent to all XXXX companies involved and no response. 

This letter is intended to resolve XXXX way or another all the issues we had with the loan process and closing. Our daughter XXXX XXXX started her process XX/XX/year> for a first time home buyers loan. She was not told she was not eligible for this type of loan, her father was told XXXX weeks after she signed the declaration that she did not qualify for first time buyer and that she would need XXXX XXXX down due to a non-arms length transaction per XXXX conversation with XXXX and XXXX. At this time it was suggested that she do an equity gift letter. The first gift of equity letter was XXXX, which changed several times. They also changed her information several times and could not give a valid reason. Once we conducted our own research into this she was still eligible for XXXX XXXX due to the very first exemption per FHA guidelines, that it was her grandfather 's primary home. This information was sent to XXXX so they could reevaluate and provide new numbers and documents. XXXX and XXXX then stated they could use the gift of equity letter for closing cost and down payment. We ask where this money was coming from and it was told it would not come from either of us. It would come from equity gift letter. Finally, it was time for closing, and we were given a date and all numbers appear to be correct. While in closing we were informed the fees were coming from the estate account. So all fees came out of the estate account, which is the sellers account. So in all actuality, the gift letter did us no good. It just changed that XXXX did not pay the closing cost or down payment, XXXX had to pay both out of the net. They also were told many times that we wanted to net {$110000.00}. We netted {$96000.00}, a difference of {$13000.00} This was never told to anyone the first time we heard of it was when we were closing by that point we were exhausted and had gone over and over this several times trying to find out where this money was coming from to only find out it was coming out of sellers funds. We did not want to hold up closing due to all the issues we already had so we continued with the closing. This should never have happened. You had XXXX mortgage representatives, underwriter and a lender reviewing this. If this can not be resolved, and the funds be replaced, we will take this to the XXXX XXXX XXXX and seeking other avenues. This whole transaction was handled so poorly, especially for a first time homebuyer and then for a family who is grieving a loss during the process. If I were any of the XXXX companies, I would be ashamed of the way you handled this and conducted your business. Please respond to this with a resolution so we can move forward for all of us. You XXXX contact XXXX XXXX XXXX Thanks for your time. 



Sincerely, The XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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:
On XX/XX/year>, I went window shopping for a car with XXXX XXXX XXXX. I specifically told the salesperson who assisted me that I wanted to avoid multiple banks pulling my credit, and I wanted my information to be sent to just XXXX bank. She assured me that they would do exactly as I told them. However, that was not the case ; they sent my information to multiple banks. I did not end up buying the car because I had an emergency. I called the dealership the following day and told them I couldn't buy the car anymore, and the vehicle is with them. I did not even test-drive it ; I asked them if I could come back in the future when I could. That was when the dealership and the sales XXXX threatened me that there no way out of this loan and the financing bank had already paid them. I called the bank and explained my situation, and they told me that it usually takes a couple of days to finish the auto loan paperwork, and they will not release the funds to the dealership since the car is not in my possession. Still, the dealership continues to call me to come and take the car and still threatens me using the bank 's name. I called the bank XXXX XXXX, and they assured me they had yet to release the funds. They also told me they would contact the dealership to stop using their name to threaten me. 
Meanwhile, all these happened in early XXXX. To my shock today, this dealership got another financial bank named XXXX XXXX XXXX in my name without my knowledge. I could not believe it. This is unethical, and I need that loan {$33000.00} to be removed from my credit history. I did not have their car or even XXXX XXXX it. Please, this is urgent. I should not be paying for what is not in my possession. 
Thanks.

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 2024-06-06 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, I went window shopping for a car with XXXX XXXX XXXX. I specifically told the salesperson who assisted me that I wanted to avoid multiple banks pulling my credit, and I wanted my information to be sent to just XXXX bank. She assured me that they would do exactly as I told them. However, that was not the case ; they sent my information to multiple banks. I did not end up buying the car because I had an emergency. I called the dealership the following day and told them I couldn't buy the car anymore, and the vehicle is with them. I did not even test-drive it ; I asked them if I could come back in the future when I could. That was when the dealership and the sales XXXX threatened me that there no way out of this loan and the financing bank had already paid them. I called the bank and explained my situation, and they told me that it usually takes a couple of days to finish the auto loan paperwork, and they will not release the funds to the dealership since the car is not in my possession. Still, the dealership continues to call me to come and take the car and still threatens me using the bank 's name. I called the bank XXXX XXXX, and they assured me they had yet to release the funds. They also told me they would contact the dealership to stop using their name to threaten me. 
Meanwhile, all these happened in early XXXX. To my shock today, this dealership got another financial bank named TD Auto Financial in my name without my knowledge. I could not believe it. This is unethical, and I need that loan {$33000.00} to be removed from my credit history. I did not have their car or even XXXX XXXX it. Please, this is urgent. I should not be paying for what is not in my possession. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CBC Companies, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ( also known as Factual Data ) pulled my credit without my permission or permissible purpose ; by law, they are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) and need to remove this unauthorized inquiry immediately. On XX/XX/XXXX, this same inquiry was disputed and after submitting substantial evidence, on XX/XX/XXXX it was requested to be removed from my report. However, between XX/XX/XXXX an XX/XX/XXXX, they have reported this same inquiry back on my XXXX report. As mentioned in the XX/XX/XXXX dispute, I never gave XXXX XXXX permission to pull my credit on XX/XX/XXXX. He was unlawful in his acts of doing a rescore and pulling my credit without my permission, and as a result ( according to the proof letter attached ) he is no longer employed with XXXX. My supporting documents proved the truth, but they only honored my request for a short period of time. This inquiry needs to be removed once and for all. This is now considered harassment and by willfully violating the FCRA and failing to correct this inaccuracy, I will exercise my right to seek payment for the damages this recurring unauthorized inquiry has caused me if inquiry isn't removed permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-07 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation