vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.

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 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not authorize for my credit to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: GA

Complaint narrative:
XXXX, Transunion, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-09 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: GA

Complaint narrative:
XXXX, XXXX, Experian are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-09 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:
Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by TransUnion, XXXX, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business days as stated under law. 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

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I incurred a charge of {$17000.00} that was due XX/XX/2023. Previously, I checked my statement on line. ( B of A doesn't send statements in the mail if you have paid online ) .My online statement prior to the due date showed the {$17000.00} balance with a minimum payment of {$170.00} option. On XX/XX/XXXX, I went online and scheduled a {$17000.00} payment from my checking account to be withdrawn on XX/XX/XXXX. My bank notified me via e-mail that the payment went through. Bank of America then withdrew from my checking account an additional {$17000.00} putting my account in the red. This has happened previously. I called Bank of America. They do not acknowledge any error on their part. They say they will investigate and refund the XXXX in 10 days. On their website they do not make clear how you can opt to pay a partial payment or complete payment or that they will take the entire balance. I asked how I should go about paying since I have no problems with other credit companies like XXXX where I pay my monthly statement online, specifying the amount and the date of payment to be withdrawn from my bank account without problem. They have no suggestions other than pay over the phone or by check, but then, as I mentioned, they don't send statements through the mail. I told the employee that this was a great financial inconvenience and could the refund be expedited, but that was impossible. I believe this is a very abusive non-customer practice. They should give alternatives or tips on how to avoid this situation.

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 2023-01-09 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: TX

Complaint narrative:
Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :

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 2023-01-09 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: GA

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

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX  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

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 2023-01-09 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: GA

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

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
The information reported by my Mortgage company to Transunion is inaccurate and it needs to be corrected it has been more than a year and a half. the XXXX XXXX  which I have had a mortgage with them they since XX/XX/XXXX since XX/XX/XXXX XXXX XXXX  never reported my payments accurately in the present and in past due to negligence in applying payments to the account. in the year XXXX, I called them more than XXXX times to reply to payments because they assigned it to the wrong accounts. Since I have open the account I have had XXXX late payments because they never apply the checks I sent on time when i send them and they report me as late. also, they so report to XXXX but they stop reporting to TransUnion which has caused me to lose a lot of points on my credit score and disqualified me from being approved to apply for a mortgage.

the account shows the wrong balance on my report. I have called the bank many times and they disregarded my calls. I have called transuion also and they refused to do anything about it and told me to discuss it with the bank. I just can't figure out what I need to do. 
I think this is unfair and against my fair credit. I want this account to be accurate and updated to show the correct information. 
Thank you

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 2023-01-09 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: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my Transunion credit report and noticed that there were unauthorized inquiries being reported. 

I wrote to Transunion on XX/XX/XXXX via certified mail ; requesting that they please investigate these unauthorized inquiries.

Transunion responded with a one page letter, literally belittling my letter that I wrote to them. I was very offended to have an organization such as Transunion to tell me that I do not know how to write letters and that it was a " third party '' that I didn't properly authorize this. 

Who are they to be condescending of someone that they do not know, have never met, or know who I am? ( Please see this rude letter! ) I then write to Transunion again, on XX/XX/XXXX, in a more " Simple '' manner, to help them understand the consumer law which state the Rules of Construction on Unauthorized Inquiries. 

To this date, XX/XX/XXXX, Transunion has neither responded or sent information that they invesitgated my disputes. 

I think that they may feel above the law and do not have to adhere to such disputes.

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
XXXX I purchased a vehicle from XXXX XXXX XXXX and In house finance co Auto Advantage Finance , LLC. When I purchased the car from XXXX XXXX the same day I got the car 20 min later I had to call them to tow it off the highway because it had stopped. Over one years time I had to have them tow it in due to just stopping on us while driving 5 times ( about once a month ). Their repair department head manager advised me if has any problem again will replace car. It had to go again they did not honor the replacement. I advise ECA that the vehicle was unsafe to drive, it was a danger to my family with husband and children and I refuse to drive unsafe car to endanger our lives. They told me to do voluntary return, which I had no choice but to do. I contacted them for 6 months to see what happens now they later filed a judgement a year later in XXXX and never would let me know when a court date was so that I could appear. I have been paying over XXXX years on a XXXX principle I have paid {$8700.00} and now have increased the interest to this every year and increasing it is now {$30000.00} they say I still owe them with interest continuing to be added. I feel this company and the XXXX XXXX and XXXX XXXX XXXX XXXX department has added so much interest and things to this that it will never be paid off. When I should not owe any way. I was not allowed to go to court to submit my side of this case. I checked with XXXX every week to get a date I was only told I did not have to show up and refused to give me a court date to appear. I looked on XXXX every day to see if filed to get a date. I received a summons i filed a dispute to the court and they was to file a default judgement on it to get a court date never did. There was a letter sent to them from XXXX XXXX district judge at OK count demanding with in 7 days for them to file a default judgement if this is owed so a court date can be set. They did not respond, until a year later they filed XXXX. I watched for a year never seen a date then all of a sudden I receive notice of a garnishment. Now 8 years later i get a increase every year for this so has tripled in interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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:
My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business daysXXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
Santander is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online Santander account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my Santander account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want Santander to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I have missing escrowfundswhich my mortgageservicers refuse to account for. I had a mortgage serviced by Specialized Loan Servicing ( Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) that was transferred to XXXX XXXX XXXX Loan XXXX ) in XX/XX/XXXX. 

When the loan was transferredto XXXX XXXX {$5800.00} in escrow funds were not transferred. At the time of transferthere was {$6800.00} in escrow and only {$960.00} was sent to the new servicer XXXX Specialized Loan Servicing refuses to say why they only partially transferred my escrow ). I have attached the escrow accounting from XXXX showing this. XXXX then shows {$5800.00} as a miscellaneousdisbursementbut neither I nor the new servicer have receivedit. 

I have attached my first statement from XXXX XXXX showing only XXXX in escrow funds. 

Specialized Loan Servicing is stating that they no longer have a responsibility to open an inquest into these funds as they no longer have the loan ( although the transfer was only in XX/XX/XXXX ) and XXXX XXXX is stating it is not their responsibility as Specialized Loan Servicing was responsiblefor transferringthe funds. 

SLS is also stating that they no longer keep records pertaining to prior loans and can not research this item although it just happened a few months ago. 

This is the second escrow discrepancy over XXXX I've had with Specialized Loan Servicing and per my bookkeeping my other loans ( XXXX in number ) have various missing funds. I submitted written requests ( submitted XX/XX/XXXX ) for escrow accounting for these loans but Specialized Loan Servicing says as they are no longer the servicer they don't have these records ( even though the loans were transferred in XXXX ). 

These are the other loans I submitted a written request for escrow information from SLS for but was denied : Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX 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 2023-01-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was taken into XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. Upon my XXXX, I noticed that various credit cards were used without my consent. Chasebleing XXXX of these banks. I contacted Chase on XX/XX/2022 of me not making these charges and they temporarily credited me those charges, however on XX/XX/2022 they reversed the credit for XXXX XXXXharges of {$430.00} from XX/XX/2022 and {$320.00} on XX/XX/2022, stating that XXXX  supplied them with contractual agreements?? Please see attached proof showing I was detained for those dates in question! I don't care what XXXX supplied my credit card company, there was no way I could contractually agree to anything since I was in a XXXX XXXX XXXXXXXX had permission to use my credit cards and noone can contractually agree to use my credit cards if they were stolen from my possession. Please help me in reopening this dispute and advise them that they should credit me these amounts under XXXX XXXX liability promise of authorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: SC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX  payment on a credit card account under an open end consumer credit plan as late fur purpose.

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 2023-01-09 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: SC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX payment on a credit card account under an open end consumer credit plan as late fur purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MRS BPO, LLC
State: IL

Complaint narrative:
I NOTICED A ACCOUNT THAT I WAS UNAWARE OF I DISPUTED IT WITH THEM I WAS A PART OF XXXX XXXX XXXX I HAVE PROOF OF THAT IN MY IDENTITY WAS MIS USED I JUST WANTED THE ACCOUNT REMOVED SO I CAN MOVE FOWARD BUT IF I HAVE TO TAKE LEGAL ACTION I WILL THE AMOUNT WAS {$1800.00} THE DATE OPENED WAS XX/XX/2022 15 usc 1692 G B. THIS ACCOUNT IS NOT MINE CAN YOU PLEASE REMOVE THIS HARMFUL INFORMATION IF YOU CAN NOT VALIDATE DEBT. ( XXXX XXXX ) ( FDCPA ) ANY REPORTING OF THIS DEBT TO THE CREDIT BUREAUS PRIOR TO ALLOWING ME TO VALIDATE IT MAY BA A VIOLATION OF FCRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief