vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
In XXXX or 2024 I filed my taxes and agrees to.open a checking account with credit karma in return for my advance in taxes and my taxes to be deposited into the credit karma account. When funds came they were almost XXXX less then what they should have been. I verified with irs what amount they sent. It was correct. I called turbo tax and verified what the fees were service and asked if there were any other and they sent me a copy of my invoice for service it was correct. I called credit karma and asked if there were any hidden fees or fees other then. The XXXX for the advance and they said.no other fees. The customer service lady through credit karma even checked my irs transcript and contacted turbo tax herself to verify no other money was taken out and yet she could not explain why it was XXXX less deposited into account. She told me this had happened ro a lot of credit karma accounts and she had no answer. I asked her if it had been brought up so many times why credit karma had not given her instruction on how to explain or answer. She said she didn't know and was sorry. I did taxes for XXXX people last years and referred them to credit karma for their refund and it.happemed to every single XXXX of them as well. They called customer service and was given a similar response. I've since called back and asked again and they just give me the run around and XXXX knows anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ever since I got the auto loan XX/XX/year>, XXXX setup autopayments to be applied, and did an extra XXXX dollars to be applied towards my principal. 
To this day, they have not done any of that, the extra money I pay keeps getting applied towards the next payment and not towards the rpincipal, I have called them and the first time they told me I could not speak to them until reading my contract, and I have done so when I got the loan, after I called again, I established my identity and was able to discuss my loan with XXXX, due to the accent she had I was not able to fully understand her and went back and forward, I told her the website does not load, I have the phone app and it does not give mne the option to apply the extra amount to principal, she said I need to pay finance charges first, after explainig myself XXXX or more times, stating that I make extra payments every month, she said I could not do that. then put me on hold came back and gave me a speech about finance, at this point I am not sure if they are willing to help or not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was divorced in XXXX. My ex husband had opened a citibank credit card in my name while we were married. He continued to verbally be responsible for the credit card and listed the credit card in the Marital settlement agreement. He changed the credit card number several times, but put an autopay on the checking account while we were married. After the divorce, Citibank turned me over to a collections agency. After submitting the info, I was directed to another collections agency in XXXX. My bank caught the rolling amounts being deducted and sent to a XXXX XXXX XXXX XXXX. My checking account was frozen and it wreaked havoc on my rent/utilities and other bills in autopay. 
I would like to be free of this debt, as I paid over 4 times the amount to Citibank.

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 2024-12-18 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
When I checked out my credit profile there was some inquiries listed that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: IN

Complaint narrative:
On [ XX/XX/year> ], I discovered that my personal information had been compromised, resulting in the unauthorized opening of these accounts. I did not authorize the opening of these accounts, and I am not responsible for any transactions or debts incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: LA

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-12-18 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: GA

Complaint narrative:
The List of accounts below has 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  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-18 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. ''

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 2024-12-18 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: GA

Complaint narrative:
According to this section of the FCRA : The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2. I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed 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 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
there are two issues : 1-change of index to my loan agreement. My interest rate increased significantly from XX/XX/XXXX and will increase again on XX/XX/XXXX. I had the libor index in my original loan docs, but now lender is using XXXX. I have barely kept up with w/a nearly $ XXXX increase in payment. i applied for loan modification because i am in a cylical industry and need a modification to assist in down times. after spending 45 days plus responding to requests ( around XXXX in total ) for more information. most of requests were repetitive in nature, SPS servicing declined request for modification or any other type of assistance. I was told i'd have a relationship manager for my request, but in my numerous call and emails with SPS, i only spoke to her once, and that's when she called to slightly berate me for complaining that i have not spoken to her. 
it's strange that i seemingly have to be in default to have SPS even consider loan modification. I explained to them on numerous occasions my situation, but no one seems to get it. I feel like the can being kicked down the road till i'm kicked off cliff. 

SPS servicing brought on services of an appraiser to evaluate my home. the appraiser doest not work in my area, and came in with a value XXXX % under market by " driving by '' my home. the appraiser used comps that are two plus miles from my home, and actually had audacity to bring the value to pre refinance amount. The value of home in XXXX was XXXX XXXX this appraiser came in at around XXXX XXXX using homes that are completely far from me and don't have the same parameters. when i brought this up to SPS, they stood by this `` drive by '' appraisal. if anything, my home has only increased in value to around XXXX XXXX. again, no one at SPS servicing will listen, and i keep being transferred or referred to a new person where i have to start the process of explaining everything all over again. 

XXXXSPS placed forced insurance on my mortgage despite my sending them proof of insurance in a very timely manner. I still have yet to get someone on phone to explain to me why this happened. one representative will tell me they received my documents while another one will say they don't see them. My relationship manage seems to exist only in the abyss.

Please assist. I'm being spun around in red tape

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Inaccurate information is being share on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX  and signed and notarized a Truth and Facts Affidavit which I had notarized and both are attached. Please Block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize 1. Identity Theft XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c2 ) which states that these accounts must be removed within 4 Business Days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
I asked TransUnion for an explanation for why or what made my credit score drop XXXX points. The representative said I had negative remarks from my car loan company and that was the reason. I called the car loan company that had the now paid off loan and they said everything was in good standing and paid on time. I called TransUnion back and asked why they had it and he said there were no negative remarks on the report. The treatment I received was horrendous the false explanation is completely unacceptable if we have to rely on these companies to report accurately on very important pieces of our financial footprint.

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 2024-12-18 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: LA

Complaint narrative:
i am requesting that transunion, XXXX, and XXXX delete the unauthorized inquries and the non-mailable addresses, and inaccurate personal information reporting on my consumer file that is reporting because it is damaging my score and keeping me from getting approve for a home. the following information is against the privacy act of 1974, 15 usc 6802 because i never gave consent for the information to be reported and 15 usc 1681b. 

see attachments

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 2024-12-18 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2024-12-18 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: CA

Complaint narrative:
Today XX/XX/year> I Contacted The Credit Reporting Agencies & Tried To work with all 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information On My Credit Profile.They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681.  
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief