vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
1 : Equifax INQUIRY XXXX XXXX XXXX XXXX Late XX/XX/2021 I DID NOT AUTHORIZE THIS REPORTA SO CALLED FINANCIAL BROKER NAMED XXXX XXXX MADE THE INQUIRYWITHOUT MY PERMISSION I CALLED THE THE XXXX XXXX FIRST THEY DID NOTHING I MAY JUST SUE THEM IN MY LOCAL COURT I HAVE BEEN TRYING TO FILE A COMPLAINT WITH EQUIFAX OVER SEVERAL MONTHS THEY WILLNOT ALLOW ME TO LOG IN TRY AGAIN LATER I DEMAND A REMOVAL OF THIS INQUIRY 2-XXXX XXXX XXXXXXXXXXXX XXXX THIS " BROKERAGE " SENT ME TO THE " CHECK YOUR OFFERS WITHOUT AFFECTING YOUR CREDIT SCORE '' THAN DID AN INQUIRY SAME DAY ITS ON MY REPORT I WAS BAIT AND SWITCHED-THE CREDITS OF THIER FRAUDULENT SOAP OPERA OPEN WITH " NO EFFECT ETC '' I DEMAND REMOVAL AND DID NOT UNDERSTAND THE VERY VAGUE FINE PRINT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  is reporting that I have two accounts with them one I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! 
Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
In Accordance with the credit reporting act XXXX Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXXXXXX XXXX 2XXXX XXXX XXXX 3.XXXXXXXX XXXX XXXX 4. XXXX XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXXXXXX XXXX XXXX 8.XXXXXXXX XXXX  XXXX 9.XXXX  10.XXXX XXXXXXXX XXXX XXXX 12.XXXX 13.XXXXXXXX XXXX  XXXX 14.XXXX XXXX 15. XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022, I received a letter that stated I owed SunTrust bank money that I don't know about. the debt collector is XXXX XXXX XXXX on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.

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 2022-04-13 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 I sent a dispute letter to XXXX and Experian to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent XXXX and Experian a receipt showing payment made and agreement of the settlement. XXXX sent me a letter back stating verified as accurate and updated Experian the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions. I reject everything they said here : On XX/XX/XXXX the apartment all ready has been rented by new tenants. XXXX her self told me that they will have new tenants on the XXXX of XXXX. I vacate the apartment since XXXX first. Why all this charges after vacate the place? And they do have the mover insurance as well. I didnt make any damage in the property. I didnt make any late payment. I wasnt late to move for them to charge me XXXX $ I didnt Damages - Trash removal from move-out Neither Damages - Drywall Repair on 1st and 4th floors I move out the XXXX of XXXX. And the apartment was way clean. I sign this form on the XX/XX/XXXX on good terms that Im moving out on XX/XX/XXXX. XXXX send it to me to show that Im moving out on the XXXX of XXXX. Doesnt show that I owe them of broke anything. This form is for all tenants when you are moving out a month before to vacate the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed a collection that was on my credit report with Trans Union because the collection should never been on my credit report because the collection was brought into court and case was dismissed by our local court and two it was during the Pandemic. Trans Union was notified of the collection. After their so called investigation, they came back and said, that it was valid debt. They were given the case number and the court information and they still came back saying that its a valid debt. The amount is for {$12000.00} with XXXX XXXX XXXX. How can something be a valid debt that court dismissed or terminated the plaintiff case. Someone did not their job in their investigation.

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 2022-04-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I just noticed that there is unauthorized information in my name being used on my credit reports & would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and they are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's identity theft affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

XXXX - XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I noticed a XXXX payment around XXXX dollars on my chase account I didnt make. I had lost my phone so I think thats how they did it. My daughter has my email account on her phone so she saw the alert and I called right away to let them know it was fraudulent but the rep said the fraud department was closed for XXXX and all he could do was just freeze the account. He told me to call on the next business day. I called and the fraud department said it was too late to stop because it had already gone through. I had called right away, I did my part. They are the ones that werent available. They then sent me a letter saying that they dont believe the XXXX was fraudulent even though they had to change my username and password to the account and basically make it new. I am extremely upset, this is the first time chase has let me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is now my XXXX time filing a complaint. Military personnel are eligible for SCRA benefits starting on the date they receive active-duty orders. A refund for the difference paid in interest between the 4.77 % and 3 % was not sent to me for the entire time I have been XXXX XXXX. The refund amount only reflected from the time I submit the benefit claims. Therefore, the correct refund has not been awarded. I paid the car off XX/XX/XXXX, my SCRA benefits were approved in XX/XX/XXXX with this company. I've been XXXX XXXX since XX/XX/XXXX, therefore the refund amount should reflect the interest between 4.77 % and 3 % from XX/XX/XXXX, not XX/XX/XXXX! It's a {$78.00} difference per month as mentioned previously. 

Every other company I have ever encounter has honored the policy, I do not understand why it took over a year ( after the car was paid off ) and a complaint for you all to respond. 

Also, I requested to receive a new check for the previous refund because my bank, XXXX was not able to process the check through their ATM Deposit. I requested a new check over a month ago, and have been told multiple times that I would receive a check in the mail and have not received it as of today. Any other company would have sent the new check by now, however, I keep getting the run around, once again.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Pingora Holdings, LP
State: CA

Complaint narrative:
I just received this phon

y letter from " Pingora Loan Servicing '', which I have never heard of. I have never had a mortgage serviced by this company. I believe they are using this as a scare tactic for people who won't know any better, to get them to sign up for this " Identity Monitoring Service '' - which they probably don't need. This is misleading and false advertising, and they should be forced to stop this. I'm attaching a copy of the letter so you can see for yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Got a loan from navy federal for car got the check went to a dealer give them the check was told to come back to get the car no car no check or nobody when I returned.I call navy federal they told me to make payment until they figured it out I did until I couldnt anymore so I called back and they told me they tracked the car inTexas they knew I never had a car nor cash a check but says I was still responsible and that been like 6 years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: OK

Complaint narrative:
This was paid and this same debt collector after it was removed by your own organization deleted it and then the Finl Account Sevs Team added it back to my credit report. I do not owe this bill with XXXX XXXX XXXX. You can call XXXX and ask them. FINL ACCOUNTS SVCS TEAM keeps putting it on my credit. I am considering legal advice next time it happens due to it being the second time that this company has done this to me. I have called them and they told me they would not remove it from my account. 

The amount is for {$190.00}.

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 2022-04-13 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: NJ

Complaint narrative:
In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 I sent a dispute letter to Transunion and XXXX to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent TransUnion and XXXX a receipt showing payment made and agreement of the settlement. TransUnion sent me a letter back stating verified as accurate and updated XXXX the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.

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 2022-04-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
1 : XXXX INQUIRY XXXX XXXX XXXX XXXX Late XX/XX/2021 I DID NOT AUTHORIZE THIS REPORTA SO CALLED FINANCIAL BROKER NAMED XXXX XXXX MADE THE INQUIRYWITHOUT MY PERMISSION I CALLED THE THE XXXX XXXX FIRST THEY DID NOTHING I MAY JUST SUE THEM IN MY LOCAL COURT I HAVE BEEN TRYING TO FILE A COMPLAINT WITH XXXX OVER SEVERAL MONTHS THEY WILLNOT ALLOW ME TO LOG IN TRY AGAIN LATER I DEMAND A REMOVAL OF THIS INQUIRY 2XXXX XXXX XXXX XXXX  THIS " BROKERAGE " SENT ME TO THE " CHECK YOUR OFFERS WITHOUT AFFECTING YOUR CREDIT SCORE '' THAN DID AN INQUIRY SAME DAY ITS ON MY REPORT I WAS BAIT AND SWITCHED-THE CREDITS OF THIER FRAUDULENT SOAP OPERA OPEN WITH " NO EFFECT ETC '' I DEMAND REMOVAL AND DID NOT UNDERSTAND THE VERY VAGUE FINE PRINT

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 2022-04-13 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-13 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: OH

Complaint narrative:
I have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!

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