vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I am refiling this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have also attached my FTC report with the report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Care credit was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lendmark Financial Services
State: VA

Complaint narrative:
There is a loan on my credit report from Lendmark Financial that I did not open or apply for. There is an inquiry date of XX/XX/2023 and loan opened on XX/XX/2023 for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I received a bill for {$3800.00} from a XXXX account that was not mine. 

Myself, or any member of my family has never had a XXXX account. I have had my cell phone account with XXXX for over 25 years and no other account. 

The XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX The collection agency phone # is : XXXXXXXX XXXX phone XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: OH

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. 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 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. Please delete the following accounts : 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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
After I bought my car out of the lease and submitted all necessary forms to Nissan motor acceptance corp that show where to send my title and what name and address to use on the title they did not put correct address and only used my name and old lease address that was on file -a three years old XXXX ny address where no one lives any more, it was my XXXX XXXX address. Nissan bank calculated wrong amount of tax on this sales transaction due to their own negligence of putting wrong address despite correct address provided. They send title 2 times to that wrong address and every time we called to ask to fix address it was not done until the third time. Finally 6 month later we got title and I went to my local DMV to put title in my name but they told me seller Nissan bank made a mistake in calculating my tax bc of their negligence to update address despite of a document ozone form that shows proper address provided to them with the check. Now DMV would not transfer title in my name unless I pay full amount of ny state tax. I called Nissan motor acceptance corp bank and on 7th attempt got to speak to XXXX in escalation. I asked to either change my bill of sale and charge me proper tax amount which is approx {$140.00} more or reimburse me of XXXX in taxes so I can pay through DMV full correct tax amount. Nissan bank refuses to do so and instead demand some prove from DMV that this is what happening, the Nissan bank disregards that they cost us already so much losses bc we werent able to resell our car for profit when we still could because they kept sending title to wrong address, refused to correct their negligence even now when its obvious and I can not become an owner of my car due to this. Please fine them and demand error correction in expedited fashion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Carvana Group, LLC
State: TX

Complaint narrative:
I have an account with XXXX and from an XXXX email alert, I was informed that my credit score had droped. I logged into my XXXX account and noted the following : CARVANA LLC got a copy of your XXXX  Credit Report. Dated : XXXX, XXXXXXXX XXXX CARVANA LLC made an Auto Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX XXXX : CARVANA LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX I have never requested a CARVANA Auto Loan, and I have not inquired to purchase an automobile in many years. I did not authorize anyone to use my name, credit of any kind to secure or inquire about an Auto Loan and/or another loan of any kind. 

After reviewing the Notification info shown above in my XXXX account, I called XXXX Fraudulent Dept. and reported CARVANA LLC 's Hard Credit Inquiry as a Fraudulent Request/Activity on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had accounts with XXXX, XXXX, AND US BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
US BANK, XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, 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 2024-01-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
For the XXXX time this morning experian starts yet again with another lie by saying there STILL WORKING ON THE ISSUE because everyone knows they don't do anything this is a stall tactic FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT COMPANY

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 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for a credit card for XXXX XXXX. I was turned down for the following reasons given by TransUnion : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called XXXX. They said these reasons were based on the information TransUnion gave to them and I should call TransUnion. I called TransUnion. They said it was based on the interpretation by XXXX. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.

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 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
PROFESSIONAL ACCOUNT MANAGEMENT LLC IS ATTEMPTING TO COLLECT A DEBT FROM ME FOR A CAR WITH A LICENSE PLATE OF XXXX XXXXXXXX. I HAVE DISPUTED THIS DEBT IN THE PAST AND AFTER SEVERAL DISPUTES AND COMPLAINTS THEY FINALLY INVESTIGATED MY DISPUTE. THEY TOLD ME THEY WOULD NOT ATTEMPT TO COLLECT A DEBT FROM ME ABOUT THIS LICENSE PLATE XXXX XXXX. IF I TELL THEM I SOLD THIS CAR BACK IN XXXXXXXX, THAT MEANS I SOLD THIS XXXX AND IT DOES NOT BELONG TO ME. THEY WANTED MORE INFORMATION FROM ME. DUDE, I AM A RESIDENT OF TEXAS AND THE CAR IS IN CALIFORNIA BEING DRIVEN WITH XXXX XXXX. AGAIN, I SOLD THIS CAR IN XXXX AND IT DOES NOT BELONG TO ME. XXXX TOLD ME THEY WOULD STOP COLLECTION ACTIVITY AGAINST ME FOR THIS, BUT THEY HAVE CONTINUED THEIR COLLECTION ACTIVITY AGAINST ME IN A DEBT COLLECTION LETTER DATED XXXX. 
I DECLARE UNDER THE PENALTY OF PERJURY UNDER THE FOREGOING IS TRUE AND CORRECT. 
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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank is 5th 3rd National Bank. I wrote a check ( # XXXX ) for {$100.00}. The check was dated XX/XX/XXXX. The check was cashed by the bank on XX/XX/XXXX. This was about 2 weeks after the 6 month validity period for the check. The check on its face says the check is void after 90 days. The bank confirmed the check was not valid, but they had still cashed it. The bank refused to refund the money. So I guess they would cash any void check ( eg. XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Company is in violation of 15 usc 1681 by way of reporting account number, balances, and late payments on child support which are clearly against FCRA

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I sent a request to Transunion to update my Legal Name Change, mailing address, and to remove personal information I did not consent to sharing in my credit profile to no avail.

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 2024-01-22 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
They told me one fee, but when I looked at my account it was outrageous fees & interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Pennymac added my neighbors taxes to my escrow account. And paid these taxes using my money. Parcel number we own is XXXX. Parcel number pannymac added to my account is XXXX. One digit difference. 
Besides constant humiliation from customer service, Pennymac 1. Did not fix they error within more then two months. 
2. Performed two escrow analysis. Both wrong. Because they used my neighbors tax bills.

3. Pennmac still bill me with triple escrow amount. Instead of {$270.00} pannymac charging me {$1200.00} 4. Did not returned my money they spent on my neighbors taxes.

5. Refuse to except my monthly payments for principal and interest only.

6. Refused to close my escrow account.

7. Start to frighten me with foreclosure 8. Charging me with late payments 9. Reported me to Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Despite previous notifications and attempts to rectify the situation, TransUnion has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. 

On XX/XX/2023, I sent a letter to TransUnion detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. 

To my dismay, TransUnion has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. 

Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against TransUnion to seek relief, damages, and corrective measures. 

I urge TransUnion to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. 

I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that TransUnion will take immediate action to rectify this situation and prevent the need for further legal action. 

I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the 2-year payment history.

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 2024-01-22 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: WI

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.

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 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a credit card for CapitalOne XXXX. I was turned down for the following reasons given by XXXX : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called CapitalOne. They said these reasons were based on the information XXXX gave to them and I should call XXXX. I called XXXX. They said it was based on the interpretation by CapitalOne. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
Lexington law was supposed to assist me in getting pre approved for home purchase. My score rose do to me using XXXX XXXX and XXXX. I asked how long it would take to be able to get a good credit rating? There was no accurate answer, just being led on to continue paying monthly fees. Items that came off my credit was a time issue and was due to drop off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY CARRIER. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND 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