vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with a TransUnion representative who stated that by XXXX the inaccurate Bankruptcy that TransUnion is reporting would be removed by today XXXX XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on Friday. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't 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 2023-12-04 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: TN

Complaint narrative:
This credit bureau stated that they investigated this issue and mailed me the results. I received these results but it failed to state how they did a fair investigation on the thing I am disputing. How did the credit bureaus verify my bankruptcy as 100 % Accurate? Did they get the information from the courts? Because the court stated that they do not report to any credit reporting agency. So, how was this investigation done fairly and accurately. 

They never did a fair investigation according to the 15 USC 1681. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 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. 

I have attempted, repeatedly, to get a fair and accurate credit report with this bureau by disputing and have gotten no resolution from them.

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 2023-12-04 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 2023-12-04 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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IRS canceled total amount of debt in XX/XX/2023. XXXX did not provide accounting ledgers.

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 2023-12-04 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: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late 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 2023-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CORELOGIC INC
State: WI

Complaint narrative:
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : 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 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 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All addresses on my credit report are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

Complaint narrative:
15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. SEE ATTACHED. 
Ive made several requests to EXPERIAN, however they have failed to honor the process and continue reporting information they know is false, inaccurate and not related.

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 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
When I closed my loan with XXXX XXXX on XX/XX/XXXX, they promised me that as soon as my property appraised at 80 % LTV that my PMI would be removed. My property quickly got to that point. So I called the Loan servicer and sent a check for {$150.00} to get the PMI removed. They cashed the check. Then they told me that XXXX required 2 years even though my property was worth nearly double the original purchase price. The loan officer either deliberately lied to me or was unfamiliar with the terms of removing the PMI. Then in XXXX of XXXX I called back to get the process in place and again I sent a check for {$150.00} for an appraisal, along with comps and yet again the check was returned and I was told I couldn't start the process until XX/XX/XXXX. Since XX/XX/XXXX I have called Lakeview Mortgage company serviced by " loancare '' at their customer service # every day and the loop of voice prompts never leads me to a live person and eventually hangs up on me. That # is XXXX. 

Additionally, the estimate for real estate escrow from the original loan was over {$10000.00} off for year two, so I had to increase my escrow payment to make up the difference by {$800.00} per month for the past 12 months. That 12 months has ended and I want an adjustment made to my monthly payment. I have sent several emails through on their website https : //lakeviewloanservicing.myloancare.com none of which has seen a reply. 

Buyer beware with XXXX XXXXXXXX XXXX in house mortgage company and their mortgage partner Lakeview.

Original Mortgage company thru XXXX XXXX was called 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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a few fraudulent charges on my account from XXXX. So they charged XXXX XXXX XXXX XXXX and XXXX XXXX Interesting thing that transaction from from XXXX for XXXX $ and XXXX XXXX They approve. But XXXX XXXX Not they said we have reason to believe that XXXX $ + made by me but another transactions on the same day is not. 
From my experience I know that hotels put holds from XXXX $ to XXXX XXXX If it was a hold. Why it is not disappearance? Shame to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I was signed up for automatic payment - I submitted this paperwork well in advance of loan payment restart in XXXX. They apparently did not process my automatic payment ( though I received documentation that my auto payment should have started by XX/XX/10 ) so I was told it was late. I paid the loan the day I received notification ( but not before XX/XX/10 because I was told automatic payments should start ). My automatic payment on XX/XX/10 came out with no issues. I have now logged into my loan account to make sure that there would be no issues with my XXXX payment to see that I have been put into a forbearance. I did not request a forbearance. I did not get any notification my loan would be put into a forbearance. I have received no communication from Mohela about this whatsoever and do not know why this happened. I now have 2 payments ( XXXX and XXXX ) that will not be counting towards my PSLF. This is ABSOLUTELY RIDICULOUS.

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 2023-12-04 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:
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 XXXX XXXX XXXX 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 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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank checking and savings account on or around XX/XX/XXXX. I was supposed to take the following two actions to earn a bonus.

1. Make 5 direct deposits totaling {$6000.00} within 90 days to receive {$400.00} bonus ( US Bank paid this out on time ) 2. Keep {$25000.00} in the bank until XX/XX/XXXX to receive {$200.00}. 

My transfer was initiated on XX/XX/XXXX. 
My funds were kept in the bank until XX/XX/XXXX when i started moving it out as a US Bank representative told me it might take up to 90 days from XX/XX/XXXX to receive the bonus but i was good to move the funds out. I was told that the credit should be received around XX/XX/XXXX. 
More recently, i was told that the bank was researching why i had not received this credit but it would be in my account before the end of XXXX I believe. 

I still have not received it and want nothing more than to get the bonus and close my account at this point.

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 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK

Complaint narrative:
On Monday XXXX XXXX XXXX I received a call from a process server ( XXXX ) telling me to call XXXX and that my case number is XXXX. I did call the number because they called my children which scared them. A woman named XXXX XXXX who claimed to be from XXXX XXXX XXXX firm stated that I am being sued for an outstanding debt from XXXX of {$8000.00} from HSBC Bank , card number XXXX. I told her I have no recollection of this debt and have never recieved any letter stating otherwise. XXXX then had me verify my name and social security number. XXXX also stated that if I do not handle this matter by Thursday XXXX XXXX XXXX then the law firm will file a lawsuit against me for breech of contract and fraud. XXXX of my children then XXXX the number and the results popped up as a scammer and suggested I fill a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: Credit Karma, LLC
State: CA

Complaint narrative:
I observed that CREDIT KARMA has unlawfully placed over forty inquiries on my XXXX consumer report without any certifications of permissible purpose on file with XXXX, as lawfully required. What profits are being generated by CREDIT KARMA resulting from placing these inquiries on my consumer report? Within 15 days of this request of information and complaint, Im requesting that CREDIT KARMAs proper representative answer and submit to me the following : Provide that CREDIT KARMA has lawfully certified the permissible purpose for each and every inquiry placed on my XXXX consumer report. Provide to me the amounts gained from all securities that CREDIT KARMA ( and any Person and company on the behalf of CREDIT KARMA ) has profited from the use of my social security number and or other nonpublic personal information by providing accounting history as required under GAAP per the XXXX. NOTE : I am not asking for login information and reports, start dates or any other information for an account with CREDIT KARMA but rather the ledger for the accounting for gains, transfers and any date ( s ) securities were formed using my name, social security number and all other information that is pertinent to my identifiers. I am requesting this information within 21 days of this notice. As well, I am requesting that CREDIT KARMA pay me for each violation for placing these excessive inquiries on my consumer report for the maximum amount per inquiry, which is XXXX XXXX dollars per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
since XX/XX/2023 been trying to resolve with PNC bank and XXXXXXXX XXXX regarding this check issues {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Information was exposed in data breach of Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is a continuation of my previous complaint regarding PNC Bank 's failure to honor a perfectly legal power of attorney. A bank representative, XXXX XXXX, called me on XX/XX/XXXX in order to get more background information on this matter, which I provided. She agreed to call me back today, XX/XX/XXXX at XXXX XXXX to discuss the results of her findings. I planned that part of my day to be available for her phone call, which never came. At XXXX I called and left a message on her voice mail and did not receive a return phone call. Her outgoing message indicated that she was in the office. Her failure to keep her commitment is very unprofessional. 

This is just a continuing example of how PNC Bank is mistreating me in this manner. 

This matter can be very easily resolved with just a little bit of common sense by PNC Bank. All they need to do is to call the notary to confirm exactly how the principal 's signature was obtained. Very very easy to do.

Company response to consumer: Closed with explanation