vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: PA

Complaint narrative:
On or about XX/XX/2023 XXXX XXXX responded to my complaint stating when I allegedly entered into my car contract I fully accepted the terms and conditions of my information being shared. However in the initial contract between XXXX XXXX and XXXX XXXX XXXX no disclosure providing me with the option to opt out of my information being shared was provided, nor was a disclosure provided informing me that my information would be shared with a third party when this contract was executed. ( Please see attached contract ). According to 15 U.S.C 6802 the consumer shall be given a clear and conspicuous notice informing the consumer that they have the right to opt out, the consumer shall be given a chance to opt out and the consumer shall be given an explanation of how the consumer can exercise that nondisclosure option. However in response of my complaint XXXX XXXX provided a XXXX  XXXX page contract between XXXX and XXXX XXXX XXXX that did not contain a clear and conspicuous option for me to opt of sharing my information nor does this contract contain a section informing me of my information being shared and my limits to a company sharing my information. XXXX XXXX also attached a fraudulent privacy policy notice which intended to inform the consumer that they don't have the right to opt out of their information being shared, however pursuant to 15 U.S.C 6802 and the Gramm Leach Bliley Act they both clearly gives consumers the right to opt out of sharing information. Upon information and belief these statutes only can be enforced on state level as they have no cause of action in federal court but are very much applicable to doing everyday business with consumers/ customers. I demand that XXXX XXXX remove this account from the XXXX major credit reporting agencies XXXX, XXXX, Transunion, and XXXX within XXXX ( XXXX ) days from the date of receipt. If XXXX XXXX does not comply with my request I will be forced to seek legal assistance to clarify and remedy this matter. ( attached is XXXX XXXX response to my initial complaint, car contract, XXXX XXXX privacy policy ).

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 2023-10-09 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: PA

Complaint narrative:
On or about XX/XX/2023 XXXX XXXX responded to my complaint stating when I allegedly entered into my car contract I fully accepted the terms and conditions of my information being shared. However in the initial contract between XXXX XXXX and XXXX XXXX XXXX no disclosure providing me with the option to opt out of my information being shared was provided, nor was a disclosure provided informing me that my information would be shared with a third party when this contract was executed. ( Please see attached contract ). According to 15 U.S.C 6802 the consumer shall be given a clear and conspicuous notice informing the consumer that they have the right to opt out, the consumer shall be given a chance to opt out and the consumer shall be given an explanation of how the consumer can exercise that nondisclosure option. However in response of my complaint XXXX XXXX provided a XXXX  XXXX page contract between XXXX and XXXX XXXX XXXX that did not contain a clear and conspicuous option for me to opt of sharing my information nor does this contract contain a section informing me of my information being shared and my limits to a company sharing my information. XXXX XXXX also attached a fraudulent privacy policy notice which intended to inform the consumer that they don't have the right to opt out of their information being shared, however pursuant to 15 U.S.C 6802 and the Gramm Leach Bliley Act they both clearly gives consumers the right to opt out of sharing information. Upon information and belief these statutes only can be enforced on state level as they have no cause of action in federal court but are very much applicable to doing everyday business with consumers/ customers. I demand that XXXX XXXX remove this account from the four major credit reporting agencies Experian, XXXX, XXXX, and XXXX within XXXX ( XXXX ) days from the date of receipt. If XXXX XXXX does not comply with my request I will be forced to seek legal assistance to clarify and remedy this matter. ( attached is XXXX XXXX response to my initial complaint, car contract, XXXX XXXX privacy policy ).

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: UT

Complaint narrative:
Misuse of Product - LexisNexis IAPD Case : XXXX, Incident : XXXX, Requested an audit of any and all search ( es ) made of my personal information, my minor childrens personal information, as well as associates, friends and family members, made by user employed at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Nevada. User/employee illegally used LexisNexis to monitor background, credit, and worth ; has searched information of usefulness in credit, income, assets, and capital, as well as debt information about myself, my XXXX children, and other associates for reasons other than work related. Illegal searches were made approximately XXXX through the present. 

XX/XX/XXXX, I called LexisNexis; started an investigation and the rep told me I would receive the results by mail within 60 days. I have received nothing from LexisNexis and my attorney 's subpoena goes ignored or redirected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I received notice my application for a new Amazon Prime Visa Signature account was denied when I had never initiated an application for one. I called Chase who issues the card on behalf of Amazon Prime to inform them I had never applied for credit. When they asked for my social security number to reference the application I refused to provide it. I told them if the credit application had been submitted correctly they would already have my social security number, and an application submitted without the number was proof it was submitted without my consent. They refused to confirm or deny there was a social security number. They stated they could not remove the denial of credit from credit reporting agency records without my submission of my social security number.

I believe proof I never applied for a new AMAZON PRIME Visa Signature card account is validated by the absence of my social security number on/ with the application in their possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
For three consecutive months, fidelity Card Services ( Elan Financial services ) has consistently posted the payment later than when it was received, and charged fees ( which have been reversed after long discussions ). It insisted that it was my responsibility to get the payment there at least 3 days prior to the due date, so that they had time to process it. 
I have had this account or many years and this has never been a problem until recdntly

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 2023-10-09 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
ISSUE : FAILER TO ASSIST WITH THE ASSUMPTION PROCESS OF A LEGALLY ASSIGNABLE MORTGAGE We have a current VA mortgage with Freedom Mortgage, all payments are current, with XXXX late payments. We contacted Freedom Mortgage in XXXX of XXXX to inquire if our loan was assumable. They confirmed it was and mailed us a form to start the assumption process and give third-party authorization to our buyers. We completed the form in full, and both faxed and mailed a hard copy on XX/XX/XXXX. We and our buyers have both tried repeatedly to contact their assumptions team to get the assumption process started all to no avail. Every time we've called, they've stated the assumptions team is backlogged and we are in queue to receive a call back within 3 days. I've not received a callback, ever. They communicated to our buyers that they would call them to process their application on XX/XX/XXXX, however, the buyers never received the scheduled call. They indicated there is no process to do this over the phone, it all had to be done over the phone. If we do not close this deal on time, it will cause significant financial harm to our family and we feel strongly that Freedom Mortgage has failed to uphold its legal responsibility to service our loan in a prompt and reasonable manner, per 1024.38 General servicing policies, procedures, and requirements.

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 2023-10-09 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 recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatm
ent of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains. 
Money was transferred from my account via wire, and through an intermediary named XXXX in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 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: DISCOVER BANK
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
I have requested to revoke further ACH payments from my account till i can see if these were illegal loans. The Interest rates are ridiculous and none of the lenders were found in the NLMS. 

I was not aware that most payday loans were illegal in Georgia. 

I am attaching copies of Loan Agreements. 

Companies involved : Fine Day loans Crane Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Us Auto finance went out of business and Westlake portfolio management failed to provide a debt validation as requested, the car was repossessed with false paperwork.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NE

Complaint narrative:
I made a payment to settle my account on XX/XX/XXXX! I was told after 10 business days my credit will be updated. I was also generated a letter stating my account has been settled but yet Westlake still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
On XX/XX/23 I received an email stating that Bridgecrest would be reporting my auto loan payment late if they did not receive payment by XXXX pacific time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from bridgecrest of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a bridgecrest representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?

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 2023-10-09 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: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Great American Finance Co
State: IN

Complaint narrative:
Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.

Company response to consumer: Closed with explanation