vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: CO

Complaint narrative:
I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of XXXX. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CO

Complaint narrative:
I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of racists. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to do a mortgage modification and was approved in 2017. However, they kept asking me for additional documents which I kept providing, but they never completed the modification. I have emails stating that I was approved, but I eventually lost my home due to them no longer communicating with me. 

I have received a check for {$200.00} from their remediation department, however I'm owed much more due to the fact that I lost my home. Nobody at the company seems willing to help me in any way, and previous attempts to resolve this have ended up nowhere, including previous complaints with the CFPB. I will be contacting a lawyer, however I would like to resolve this as soon as possible without needing to file a lawsuit. 

Every time I call Wells Fargo, I'm told they can't assist me with this, no matter which number I call or which department I speak to. Some people receive checks for over {$10000.00} and I only received {$200.00}, this is a slap in the face to someone who should be fairly compensated for being scammed by one of the world 's largest banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
BB & T ( better known as Truist ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
We obtained a loan through sunlight financial for XXXX XXXXXXXX  and we started to get charged for services we did not receive. As of today the XXXX still hasnt started working and the loan company is trying to start payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I never initiated these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent some money to XXXX XXXX XXXX, via paypal, in XXXX of this year. 
At some point after that, I was reconciling my bank statement with all my other statements, including paypal. I saw a payment to paypal, in my credit card statement, so I checked my paypal account to ensure the charge was correct. 
However, there was no payment at all to XXXX XXXX XXXX, in the correct amount or otherwise, so I let the credit card company know. 
Eventually, my bank closed my card, issued another and credited my account. By then I'd seen XXXX different amounts showing in emails from paypal, so it looked like they didn't know what was going on either. 
See attached file for just XXXX example. How can I dispute {$100.00} AUD when the transaction amount ( this time ) is claimed to be {$94.00} AUD? In the XXXX  attached screenshot the amount has changed to {$97.00} AUD. 
I resent the payment that had been returned to me before I was able to speak with the bank again. After speaking with the bank, I learned that they had reversed their repayment to XXXX XXXX XXXX via paypal, so naturally, I canceled the redundant payment. 
Paypal won't speak with me about this anymore as I continue to try and clear it up. It's affecting my friend 's account in XXXX and I feel like it's all my fault, when in fact, paypal still can't keep their figures straight. 
They left me on hold for XXXX minutes this morning so I decided I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I called Rushmore due to a XXXX XXXX XXXX XXXX asking for help with a deferred payment due to income being decreased I was completely misinformed and misguided and no follow up what so ever I asked to be called for any additional information they may of needed and never received anything from them was told they sent a letter I never received the only help that was avail was I either make my payment or the threats would start to take my home for non payment I continued to call and be hung up on by there auto mated system more times than I care to admit that can not still verify me a a loan customer spoke to multiple reps that have not been helpful at all just justifying the bad experience and business of this company puts out I have struggled just to reach a rep to simply make a payment weather I could or not afford to pay it due to a XXXX illness that was completely disregarded I sent in all the info requested and they did absolutely nothing to help my family I ask that some kind of response is received to please justify why my information was over looked and absolutely no help was received while trying to get through a life saving XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I bought a car through XXXX. They use a financing company called XXXX. They had a data leak and now someone named " XXXX XXXX '' is calling me nonstop saying they are XXXX. XXXX uis dealing with a company who has multiple class action lawsuits against them. They chose them. I have been called over XXXX times from XXXX XXXXXXXX XXXX claiming to be XXXX harassing me nonstop from a call center in the XXXX and my data gas been leaked. 

XXXX doesn't care. XXXX is a mess. I have a XXXX and it is causing me to be under such stress it is unreal. 

XXXX should not be doing business with this mess of a company with attorney General complaints and class action lawsuits against it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Care Credit, Synchrony Bank Approved me for {$9200.00}. I Used the card for dental treatment in the amount of {$9200.00}. 

Made first payment of {$250.00} on XX/XX/2021. I have paid every month for the past XXXX months. I have never been late with a payment. they have chosen not to post my payment a day late however I have never gone past the due date of the XXXX of the month. My payment is now {$350.00} and my balance, from what I can tell, is now {$9300.00} and indicates that I am over the limit. Since I can not get any information from Synchrony Bank I estimate that I have paid them {$8700.00} dollars. Not a single penny has been applied toward the balance.. This was set up for payment over XXXX years. If the payment continues at the current rate I will have paid approximately {$24000.00}. This is more than 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX The following personal information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX The following personal information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting multiple errors on the XXXX XXXX XXXX  XXXX account. This account is inaccurate and incomplete. Please make this account accurate and complete, or remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief