vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information

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 2024-02-14 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: IL

Complaint narrative:
There are too many inquires on my consumer report that is there without my permission. TransUnion has XXXX inquiries, XXXX has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
My vehicle was robbed multiple times, my purse was stolen with all of my information in it. I filed complaints with the XXXX XXXX Police Department. As a result, there has been fraudulent accounts opened up and fraudulent inquiries on my credit report. I provided proof that they arent my accounts and the credit bureaus isnt deleting the false info from 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.

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 2024-02-14 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: KS

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.

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 2024-02-14 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Integrity Funding Ohio, LLC
State: OH

Complaint narrative:
I had taken a title loan out on my car around 2018. I had some left to pay on it but the XXXX  XXXX branches in Ohio all closed down. I dont have a number or way to contact them to get it resolved. The company that has the Lien on my title is integrity funding Ohio llc. As far as I can tell, that company doesnt exist. Theres no number to contact or email them. The website is for a completely different company. I just want to take care of this and pay them if I owe them and if I dont, I want my title released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I was on the Credit Karma website and saw that my chances of applying for a XXXX XXXX XXXX XXXX with XXXX annual fees was good so I applied at the end of the application. When I hit done it sent me back to the beginning to begin the application again I do not know if the application Went through. I did not receive any email or text notifications that there was an application. I called XXXX  XXXX and they said that they had no information that I had applied for a credit card. They used my Social Security number to look for it since I inputted my information I have received dozens of calls from across the United States, there is a brief message left that only states select an option and then it hangs up. I received one call from a gentleman who said that he could not offer me a cash offer at this time. I called and inquired what this was about and he said that there was a request made to sell a property in my name with my information but that when he checked the property address did not match my name oddly the address was only a few doors down from my actual address and now Im here. Im going to report tomorrow morning to my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
For months, we have have tried to provide United Wholesale Mortgage ( UWM ) proof of insurance for XXXX, through our online account, by chat, by telephone, and by emails ( XX/XX/XXXX and XX/XX/XXXX ). None of these methods has yielded a response. Also, UWMs website says it cancels PMI automatically when the loan to value ( LTV ) ratio reaches 78 % and upon request when it reaches, I believe, 80 %. In the XX/XX/XXXX email, I requested the PMI be canceled, noting that the LTV ratio was below 30 %. The latest monthly payment was {$1400.00}, including {$470.00} for insurance and taxes. The principal balance is {$210000.00} and the property is worth at least {$700000.00}. UMW is still charging us for force placed insurance and PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is trying to bill me for a service I no longer have. I had an auto insurance policy from XX/XX/XXXX to XXXX. When time of renewal occurred I did not pay for the new policy that was to cover XX/XX/XXXX to XX/XX/XXXX. I decided to go to a new insurance provider which is XXXX. Now XXXX has a collection notice for a bill of {$67.00} that they said I owed for a service I never used to requested for. There is no monetary exchange for a renewal of the policy so I shouldn't have coverage for the time they billed me for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information is incorrect or not mines need you to do full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I logged into my Chase account on XX/XX/XXXX, and found that XXXX of my XXXX credit card accounts with them had been closed without my knowledge. I didn't take any action to close either account, so I called customer service to understand what had happened. 

Over the course of conversations with XXXX different customer service representatives, I was informed that the accounts were closed due to " bank policy '' but I wasn't given any additional information, and I was told there was no recourse and that the accounts could not be reopened and that they would not be able to do or say anything else. 

The final customer service representative that I spoke to was unbelievably rude, she accused me of " making things up '' and not knowing the terms of my contract with the bank which stated that they could close my accounts at any time without notice, and they didn't owe me any explanation. She was cold and mean and raised her voice at me a several times. It was humiliating and frustrating and just downright terrible. 

I did not do or say anything to have these accounts closed, I have paid all of my accounts on time literally every single month I've had them open, and I never, ever carry a balance. I've been with Chase for 10 years, but was let go without any explanation, notice, or care. As a result of this happening, I've lost XXXX of my primary credit cards, and these closures will both go on my credit history. I was advised that if I try to reapply to get these cards back, it is unlikely I will be approved again, due to the account closures, even though the account closures had nothing to do with me as a customer or my candidacy to qualify for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
" On XX/XX/2023, I purchased a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through my bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXXXXXX XXXX XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates

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 2024-02-14 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-14 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-14 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: OneMain Finance Corporation
State: WA

Complaint narrative:
XXXX XXXX XXXX  sent me letter to confirm 2 disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX has taken out {$13.00} a month from my acct from XXXX XXXX XXXX  for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
XXXX XXXX XXXX has misreported deragatory info to credit bureaus three times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX  XXXX XXXX XXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX  so Im denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I have messaged or called multiple times per week trying to get to the bottom of my account. I got a letter from a XXXX  complaint I made stating that Mohela had sent my XX/XX/XXXX ineligible count to for approval to be made eligible yet they failed to state to WHOM DID THEY SEND THIS REQUEST SO THAT I CAN FIND OUT MORE INFORMATION AND TALK TO THAT ENTITY. I SHOULD BE AT XXXX FORGIVENESS AS OF XX/XX/XXXX YET THEY ARE DELAYING MY FORGIVENESS. Mohela tells me one thing but the Dept of Education has stated MOHELA is doing the count that gets sent to them. MOHELA tried to blame the dept of education or studentaid.gov. I want to know the clear parameters as I have reached out to the Missouri State attorney general who agreed to help with situation as well the Federal ombudsman but I am missing critical information from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NM

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information is incorrect. Please investigate the thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I XXXX XXXX XXXX The Consumer In This Matter Is Fully Aware Of His Rights To Being The Creditor In This Matter And That Wells Fargo Chooses Not To Follow The Law, About Consumer Protection So I Involving Subtitle Codes Of The United States Of America, Seems To Make A Very Much Problem For Me When I Want Control Of My Finances And Financing To My Life For All And Any Appliances I Choose To Protect MySelf With, So Subtitle 15USC1611, 15USC1693, 42USC408, 15USC1692, 15USC1601, 15USC1681, 15USC1662, 15USC1691, 15USC6801 @ 6802, All Are Being Ignored By This Government Franchise And I a Will Not Stand For These Actions To Be Admitted On Me In Such A Hazardous Harmful Way AnyMore At All, So My SSN Coming With XXXX XXXX XXXX  Attached To It And My Birth Certificate Coming With {>= XXXX XXXX XXXX So Why Am I Being Denied So Much When I Come With XXXX XXXX XXXX XXXX Behind Me XXXX Fully Aware And I Want To See That I Have Access To My Unlimited Credit By A Consumer Transaction Being Done Opening A Portion Of My Consumer Unlimited Credit, The Person Who Knows Of This Is The Banks UnderWriter So As Long As My SSN Is Involved I Have Consumer Rights And Consumer Protection Rights Along With The CFPB Baccing Me Up So Plz Lets See To It That I XXXX BeCome The One..

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with explanation