vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: WI

Complaint narrative:
It is the credit reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. TransUnion is reporting 1 inaccurate late payment for XXXX XXXX with account number XXXX. A late payment for 30 days listed in XX/XX/2021 is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the customer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in TransUnion violating my federally protected consumer rights. To add to this, I did not give TransUnion written instruction/permission to furnish this inaccurate late payment on my consumer report or file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that TransUnion has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation harm and discrimination.

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
In XXXX I traded in my vehicle with gm financial. I was never late on any of the payments to the company. Vehicle was traded in from Gm financial and new loan was through XXXX XXXX. Since Gm financial was waiting for XXXX XXXX to pay off the loan they marked my account as late payment for the last payment on the loan. Payments to the company was never late and it was their duty to conduct proper business and cash the check that was se t to the company and make arranges since car was traded in. Gm financial added that the loan balance was late to my credit report. Gm financial has no written consent from myself that they are allowed to even share loan information with credit agencies and did not provide proper disclosures asking if I was okay with reporting and sharing my data. 

Not only did I pay my loan off on time I made car payments ahead of time and paid loan principal balance off fast. There should be no negative business reported between myself and this company. 

Address information is under is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co,XXXX  XXXX Last four of ssn-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a credit card with XXXX which was with Comenity Bank which I closed and was paying on the balance. The account was closed in XX/XX/XXXX. At some point it switch to Bread Financial, with no notice to me. Bread Fianancial decided to open the credit card account back up without my permission. I had absolutely no knowledge. I paid the balance in full in XX/XX/XXXX and never heard anything from them. Now in XXXX they send me a bill of {$47.00} and charging me money when the account was paid in full. It appears that at some point during the transfer they have done this to many customers and are now charging them. I tried to talk with their rude and unprofessional customer service but they only want to continue to charge me.This account was closed by me and I did not authorize for them to open it up. I had no idea that they even exist since no notice was ever sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I want to Lowes store XXXX because Ive been trying to purchase something, somethings rather And I was so disturbed at the customer service. I receive first I was greeted by XXXX XXXX who said ohh she cant help she went and got someone who seem agitated and her position was oh corporate put a note on the account no online orders only in store and I need to verify. I asked her what would need to be verified and I am in store now, so how do we get past this impasse she say oh I dont know and turned and walked off I waited another 25 minutes for them to find a manager who came up his name was XXXX and I just happened to stop him because he was walking by me as if I didnt exist. he didnt states nobody told him nothing. Im not his problem, you know XXXX people do fraud. I could not believe it. He then turned and walked off on me. I stated to them I am in the store I am I have my ID what else do we need to verify and they refuse to assist me

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 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
They told me about this great Pandemic relief program.. And are not wanting to defer or modify.. also of the financial numbers don't add up. I don't understand how. Can't get person of contact on the phone or email back...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for a home loan with Bank of America for a purchase loan but I had a seller credit for $ XXXX and was told that I could not do that. The seller was crediting me back the money to fix the sewer line. They told me I could not receive a seller credit that exceed closing costs, what I read online was you cant get cash back, if you dont have 20 % more in down payment. I was putting 40 % down, with the seller credit it would have 37 %. I decided to forgo financing and paid cash. I then applied to get delayed financing through B of America, since the previous loan was approved. Although, Im not sure why they would offer delayed financing if they dont want customers getting cash back on a purchase transaction. Delayed financing is a refi of your cash purchase with no title seasoning., They told me they could use the loans documents from the previous file. Unfortunately, they couldnt, they required new documents and appraisal. I was in the process of remodeling the kitchen before moving in and I had the sewer line fixed. They had to drill into the floor in the kitchen. The appraisal was delivered XX/XX/XXXX. My lock expired on XX/XX/XXXX. B of a year s now telling me that it requires 10 days to close a loan from the time the appraisal is received. This was never communicated and now they are charging me an XXXX of point to extend because they always require 10 days. If I would have know that up front, I would have not locked or I would have moved the remodel until after the financing was completed. I did a refinance with last year, they didnt require 10 days then. I would like for CFPB to look into the mortgage practices and see if this happens to other customers.

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 2023-04-28 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: FL

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 14 usc 1681. 

XXXX XXXX XXXX  ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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 explanation
Consumer complaint received 2023-04-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without 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 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weinstein & Riley, P.S.
State: CA

Complaint narrative:
Approx 3 mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file XXXX credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for Repo now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in XXXX  XXXX... They claim they are a Law firm ... Weinstein & Riley

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX I applied for a XXXX used auto loan with Navy Federal Credit Union. I called and someone stated I was approved@ 9.64 % rate. I than questioned why would my rate be so high if you advertised 5.84 % for used car? The young lady couldn't answer and than asked for a supervisor whose name I believe was XXXXI asked XXXX what were the requirements to get a loan he explained credit score length of employment and he may have said debt.I than asked XXXX well could you tell me why my rate is so high? because I exceed all those requirements and my XXXX was under 100 % .He literally said well you don't have to take the loan! I said of course I understand that but why would my rate be so high? So, my complaint is they are denying people their proper rate for an unknown reason age? race? My score at that time was XXXX with paid auto 's XXXX mortgage and 13 years on the job making XXXX a year! .If this occurs with me Imagine the people like me who they are taking advantage of and what's the basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
In XXXX of XXXX I switched my phone service with permission from XXXX XXXX XXXX. XXXX made it clear that I had to pay my outstanding bill from XXXX to obtain a code that would enable me to transport my service from XXXX to XXXX. On the XXXX of XX/XX/XXXX, I paid with my debit card {$240.00}, which I was told was my final bill, and on that same day, my cellphone was switched from XXXX to XXXX. In XX/XX/XXXX, I received a bill for {$280.00} from XXXX, claiming that I owed the unpaid balance. I tried to explain to them, but they would not give me a listening ear. They then processed and sent my name and this amount to a collection agency XXXX XXXX, in Pennsylvania. I would receive calls from all odd hours and every day of the week. They would send me an email, notices in my mailbox, etc. I tried to explain that I did not owe this money, and there seemed to be an error. They reported me to the credit bureaus, which caused my credit scores to drop. Fast forward to XX/XX/XXXX, I decided to purchase a home and was advised to go ahead and pay off this debt of {$280.00}. On the XXXX of XXXX, I contacted XXXX XXXX to clear this bill ; my account was debited for {$340.00} that day. Their agent told me within XXXX to XXXX business days, I would receive a notice of payment in full either via fax or mail. I asked for a fax copy to be sent because the underwriters need it urgently. They promised I would receive the fax that same day within 30mins to an hour. Today, XX/XX/XXXX, I am still waiting to receive a mail or the faxed copy. I have called this agency daily, and they keep giving me the runaround. I asked to speak with a managXXXX, but none has taken my call. I am left stranded and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
XX/XX/2022 i submitted a dispute letter to XXXX XXXX espressing the information is inaccurate. 

in accordance with the fair credit reporting act XXXX XXXX acct # 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 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-04-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Conn's, Inc.
State: NY

Complaint narrative:
According to NY Law, this company is not allowed to come after me or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: MRS BPO, LLC
State: NY

Complaint narrative:
According to NY Law, this company is not allowed to come after me or sue me.

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation