vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Trans Union continues to report an incorrect telephone number and outdated address information on my credit report in addition to inaccurate accounts, account balances, and payment information. The erroneous manner in which monthly account payment information is reported on my report indicates credit fixing. Too, an account where the account number was changed because of a lost card is being reported as 2 separate accounts with the lost card account still being reported as open and current. I am being denied credit based on payments Transunion reports that appear designed to discriminate against me as a minority.

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 2023-02-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount 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 2023-02-12 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # 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 explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After disputing inaccurate information with Experian Credit Bureau Agency and providing supporting documentation. They have failed to remove information from my credit report.This is affecting me getting employment in this time in XXXX where inflation is high. According to the FCRA Act, EXPERIAN is in violation of the law. I have provided them with supporting details use laws supporting my dispute that are in FCRA Act. I ask they delete this information 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 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was told my interest rate would be around 4 % with I first began applying with Wells Fargo. Once the loan was processed I came to find out that the loan was instead set to a 7 % interest rate.

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 2023-02-12 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: MO

Complaint narrative:
I recently received a copy of my XXXX, XXXX XXXX TransUnion consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something

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 2023-02-12 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: NV

Complaint narrative:
I tried to resolve this issue muti times within the last year an its causing me emotional distress. This is defaming my charter I also move in honor and clean hands. As per last request number XXXX I filed a complaint stated I never gave verabal or written consent and asked them to send me proof and they didnt answer my response correctly! They are stating the validated the account but sent no proof of that and also never sent proof that I gave them Verbal or written consent to share my alleged private information or transaction. They are in volitation My last time requesting that I gave them consent in any way was XX/XX/2022 also never gave them consent to pull soft pull on me that was without my consent they are making money of me by sharing my information and transaction without my knowledge or consent.. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and XXXX. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( **name of company reporting the late payment** ) such authority. 


Listed accounts XXXX XXXX XXXX account # XXXX amount {$1000.00} XXXX XXXX XXXX XXXX XXXX account # 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 2023-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
A letter was mailed to me XX/XX/XXXX from Debt recovery solutions llc. ( I would have received it a few days later. I wrote a debt validation request on XX/XX/XXXX and mailed it which was within my 30 day time frame asking them to validate the debt. I received absolutely nothing to validate the date from them. I received a notification that a collection was added to my report. I suffered tremendously through covid as many did. My husband passed away from covid and I went into debt. I have worked very hard to rebuild and am a single mom who scrapes to make ends meet but I have not missed any payments on my credit. I asked for validation for that debt and they did not respond. It is unfair they neglect their responsibility but pursue hurting someones credit without following the law. I had taken a picture of what I wrote and the addressed envelope before I mailed it out. Please help me. I did attach a picture of the letter I sent with it dated for the validation to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: AR

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. 

ALL ACCOUNTS & ALL INQUIRES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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. Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be
deleted from my credit report immediately. Remove these items listed at your earliest opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: AR

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. 

ALL ACCOUNTS & ALL INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.

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 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
in re : XXXX XXXX checking account... ending in -- XXXX navy ffederal credit union is constantly blocking my account while using the debit card while outside of the US. i realized they doing this from time to time so i can not see my transactions and the actual amount charged by a merchant or etc. the navy federal credit union is constantly attempting to confuse the military community by overcharging for international transaction fees. it stated on the contract of the debit card use that there would only be a 1 % fee. but i am seeing well over 3.5 % -- 4 % to nearly over 5 % in foregin transaction fees. the navy federal is not only adding this 3 to 5 percent fee on the charge itself and adding another 1 % on top of that. 
they are making members calling back to US with expensive telephone calls. all the while blocking their transactioin history. its very odd -- the card is NOT blocked but you can not the who or what the merchants are charging you -- the customer.! they have refused to send notification via email for transaction charge verification. since email is my preferred point of communications if my phone service is NOT available while living outside of the US. after my first encounter with in XXXX... the bank did set the rate to normal rate... but after i could no longer see my transaction history because navy federal blocked my account for no reasons the foreign transaction fees was again changed back to the deceptive fraudulant significantly higher foreign transaction fees by manipulating the mid market rate. i have attached especially a transaction example from XX/XX/XXXX in which a XXXXXXXX XXXX charge was significantly off from other times after they blocked my account! they have literally blocked my account transaction history!!! i can not verify my transaction history which is extemely concerning and deceptive the so called customer service is extremely poor... .and very lowely motivated customer service at times -- -this is also very concerning! i have not been able to access my account charge verification since over 1 week now as of today- XXXX XXXX XXXX no email communication has been even attempted by navy federal union. !!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2023-02-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I reached out to XXXX about fraudulent activity which i have reported to idenitytheft.gov as well.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2022, and continuing, Equifax, XXXX, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, Equifax, XXXX, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I LIVE IN A XXXX XXXX  APARTMENT COMPLEX, XXXX XXXX XXXX IN XXXX, MISSOURI XXXX. WHEN I WENT TO XXXXXXXX XXXX IN XXXX, I WENT INSIDE WHEN I GOT HOME XXXX BAGS WERE STOLEN FROM MY CAR ; JUST ONE HOUR AGO, I DID LAUNDRY WHEN I CAME BACK, MY FINANCIAL INFORMATION FROM A LETTER I WAS TRYING TO WRITE HONDA FINANCIALS WAS STOLEN WITH ACCOUNT NUMBER, MAKE AND MODEL AND I FEAR THAT IT IS GOING TO BE REALLY HARD IN PROBABLY THE NEXT 6 MONTHS TO MAKE MY PAYMENTS. I JUST WROTE THE FCC ABOUT XXXX XXXX XXXX XXXX PRACTICES AND MY SISTER 'S BUSINESS : XXXXXXXX XXXX XXXX, AND HOW I HAVE BEEN OUT OF WORK SINCE XX/XX/XXXX WITH DIFFICULTY GETTING EVEN AN ENTRY LEVEL JOB IN XXXX XXXX XXXX, MISSOURI ; I CAN'T FROM PAST EMPLOYER 'S GET MY W-2 'S, AND DOCUMENTS THAT PROVED I WORKED AT BOTH DESLOGE, MO XXXX XXXX XXXX XXXX XXXX IN XXXX MISSOURI WAS STOLEN FROM MY LOCKED TRUNKS AND DAMAGED BECAUSE RENTOR 'S WHERE I LIVE HAVE MY KEY. I FEAR THAT MY CAR WILL EITHER BE STOLEN, I MIGHT HAVE TO RELOCATE TO EVEN GET A JOB AT XXXX XXXX, AND I WANT TO SET UP A PAYMENT PLAN TO HELP ME THROUGH THIS BURDENSOME TIME. MY SISTER 'S BUSINESS ' NAME COMES UP ON THE PHONE ID WHEN I QUIT HER AFTER 5 YEARS IN XXXX. I HAVE BEEN COMMUNICATING WITH THE MISSOURI GENERAL, XXXX XXXX ABOUT A POSSIBLE LAWSUIT, BUT TO WHO I DON'T KNOW I AM REALLY AT A DISADVANTAGE. I WOULD LIKE TO RENEGOTIATE MY LOAN WITH HONDA FINANCIALS. I ALSO HAVE COMPUTER & PHONE ISSUES SO NOTHING IS PRIVATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
HMDA Violation My mortgage was transferred or sold to a privately owned Debt Collector. The Terms, Escrow Payments, Interest Rate, Forced Placed Homeowner 's Insurance where all transferred without my knowledge. The Original Mortgage Note was stamped, appears altered and fraudulent. My Original Mortgage was FHA and was somehow converted to A Conventional Mortgage without my consent or my signature. I don't have a Mortgage Loan Servicer, Just A debt Collector that takes my mortgage payment. This Debt collector doesn't have a functional website for homeowners to view payment History, Escrow, File Damage Claims, View Status of Homeowners Insurance Policy etc. They provide the Homeowner with nothing, merely a " Debt collector ''. Who is responsible for servicing this mortgage?

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