vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
There are insurance that I've been paying for since 2020. i requested paperwork, to review. The company is being very aggressive, rude and harassing about payments. Unnecessary aggression over the phone. The payment isn't even due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


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  XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


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  : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


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 XXXXXX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my 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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023, I was checking my email and noticed that Chase Bank had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call Chase Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXXXXXX XXXX XXXX telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXXXXXX XXXX XXXX  and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraud Charges of XXXX, XXXX, XXXX on XX/XX/2023 This was for a XXXX way airline flight from XXXX to XXXX I called this company and thought I was speaking with a legitimate XXXX XXXX representative. 

On XX/XX/2023, I called XXXX again, this time the real XXXX XXXX, and inquired why my on line account had a return trip XXXX  to XXXX. 
I spoke with Handled by XXXX Minnesota XXXX of XXXX Canceled tickets XXXX and XXXX. 
She informed me that I had been scammed. These tickets did not have 1. any personal info attached so they could not contact me about any changes. 2. The illegitimate company could have canceled these tickets without me knowing .3. It is possible that they would not be honored when I showed up. 

I tried to call the illegitimate company to inquire what was going on. The same number that I originally made the call on would not connect. A website that I eventually found associated with them had no way of contacting them! 

I bought legitimate tickets on XX/XX/2023 reflects on the attached PDF of my citi XXXX card. Please note the XXXX charges of XXXX to XXXX for legitimate tickets from XXXX to XXXX. 
Please reach out to me at XXXX if you have questions.

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 monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, i started working with an agent to help me sell my home through a short sale. We started the process with Shellpoint when I was made aware that town consider this property condemned and had scheduled for the property to be demolished XX/XX/XXXX. The reason I fell behind i was going to renovate the property and when the construction began i was advised that there was asbestos all through out the house. I then tried filing a claim through my insurance and they denied the claims. I was getting quotes from several for asbestos removal and the cost was to much for me to cover on my own and the insurance company wasn't willing to cover any of the cost. I could no longer live in the home due to the asbestos so i had to go find somewhere to live. I couldn't cover both the mortgage and rent. I since have been seeking a resolution with no end results. The short process started and an appraisal was completed. The negotiator and me where trying to get the property value as time was of the essence as the town had given me a deadline to get this resolved with Shellpoint by XX/XX/XXXX. The negotiator was told that the property value was {$3800.00} for the land value. He kept giving the run around stating that he would contact the investor which is XXXX XXXX. Then they came back with with a suppose value $ XXXX for a property that has no structure. I then contact XXXX XXXX and had a case opened and they told me the same that there is nothing they can do that the value is the value and nothing can be done about it. So at the end of it all nothing got resolved. The town will be demolishing the in XXXX and those expense will be on me and the the investor which i do not have the funds to cover a large expense. I just want to be able to sell this property and move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX response to my CFPB Complaint # XXXX was that they disagree and refused to delete these accounts I disputed. 
My QUESTION is how can XXXX XXXX disagree with my dispute that is solely based upon Gramm - Leach- Billey Act?. 
Which States : - Consumer has a right to privacy.

- Consumer must be given the opportunity to Opt-Out of credit reporting.

- Consumer must give written permission or some form of consent. I never gave any consent to anyone! 


XXXX XXXX has worsened the situation and made me privy to additional compensation for updating / verifying my information which should not be reporting at all in the first place. I gave no CONSENT!! 
Remove these tradelines 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 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SD

Complaint narrative:
I refinanced through rocket mortgage in XX/XX/2022 with a fixed rate and conventional loan, they just sent me a notice in XXXX my payments are going from {$1100.00} to {$1500.00} which I cant not afford, they states to call my homeowners insurance and my local treasury. My insurance company said my insurance had only went up by XXXX $ a month and the treasury office told me taxe property in my area only went up {$270.00} so only {$23.00} more a month, which is about {$50.00} not almost {$500.00} I called my mortgage company and advised of this and they are not willing to explain the reason of the adjusted payment or willing to work with me, I believe when I refinanced with rocket mortgage they made mistakes in the process, I believe they no they made a mistake since Im getting no answers from them, which is causing stress landing me in the hospital for 3 days and this will make me lose my home that I world so hard as a single mom of XXXX kids living at home. I should have rights, with my payment going up so without notice and no explanation, rocket mortgage needs to be looked into how they are processing loans and following all regulations and not doing shady business, and hiding bad business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following credit bureaus are still reporting inaccurate and refusing to update.

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 2023-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I defaulted on a student loan back in XXXX  and would like to get a statement of account. I called the XXXX and the XXXX XXXX  hotline and they can't find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my report.

Company response to consumer: Closed with explanation