vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Included below are other accounts that were not opened by 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 non-monetary relief
Consumer complaint received 2024-02-05 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.

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 2024-02-06 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: AZ

Complaint narrative:
I had a credit card with XXXX XXXX  and was not using the card. The bank was still charging me yearly fee 's although they told me they would waive those fee 's. Upon seeing that I was late, in XX/XX/XXXX I called the bank and kindly explained that i was under the impression that I did not have any charges on that card. I paid the overdue balance and asked them to remove the late reporting. I requsted to cancel the card at that time and they sent me to an account speclist that asked me not to cancel, and further promised that they would remove the late reporting and will continue to waive my yearly fee 's. 
In XXXX XXXX XXXX XXXXXXXX i saw that i was late again and went through the same issues, however they told me they would remove the late reporting. I saw that the may reporting was not removed either and had requested it be removed again due to the circumstances and promise that was made before. 

In XXXX of XXXX, i applied for a mortgage and i saw that it was still reporting late on my credit. I called again and the lady on the phone said that in 7-8 business days they will report correctly to the bureaus that I have no lates on those dates. 
I called back again in XX/XX/XXXX to confirm if they removed the lates and if they can send me a credit letter confirming i no longer have lates in XXXX or XXXX XXXX. They told me that they did not receive the request and that they are unable to remove those lates without investigation. 

I have reference numbers for the recorded calls. As a consumer, i have been promised by this company several times that they would remove the late reportings, and they have prevented my from closing my account until i really pushed. This late reporting is negatively affecting my credit and my cost to borrower money

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 2024-02-05 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In the middle of XXXX, my twin brother applied for a credit card. The bank submitted XXXX  information to the bank and the credit bureau ( Equifax ) sent MY information and credit report. This occurred twice, onces on XX/XX/XXXX and once on the XXXX. It negatively impacted my credit my XXXX XXXX. I called the bank to ask what happened they didnt know and looked into it. I had to ask the bank to contact equifax on my behalf for the hard inquiries to be removed. As of today they are now soft inquires. Equifax FALSELY reported my information without permission and without it even being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
XXXX  credit card reporting late payments when account has been closed and paid in full

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
Previous complaint made. Unable to follow up had XXXX. Too sick to continue what was asked by your company. 
Closed XX/XX/22 Information regarding dispute : Our roof became a leaking problem and a salesman came by to tell us he could do the work monthly on our home because we stressed we were on a fixed income. He stated that the we could pay the bill monthly as we explained we were on a budget/income. He suggested how we could pay and we selected how we wanted to pay monthly {$250.00} on the XXXX of the month because that was my pay day. The person said he would see to us getting a monthly bill. We wrote we called and never received any communication from the company. So we called our mortgage company they explained to place extra money in our escrow account. So we began to do just that. XXXX of this past year our mortgage increased by {$2300.00} more. Now our home is in forbearance. because of the drastic increase from the roof. We called the city taxes they said its not them its the people who you got your roof from. When calling they were very rude. Offered no help but to pay full amount. The company is in Bankruptcy and a class action law suit has been formed. we are left to fight this fight with many other older adults who used the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
XX/XX/2024 Reference # XXXX I visited XXXX BMW in XXXX today! I ran an application under my business name with my personal name and SSN attached to the application. 25-30 minutes later I was denied by XXXX XXXX XXXX, direct # XXXX for limited credit experience. I asked the finance manager to call them and when she did, she got XXXX XXXX on the XXXX XXXX, direct # XXXX and he said he would approve me for a max loan of 90 % of the MSRP and the rest I'd have to put down! I asked them do they operate under TILA, and they stated yes, they do! so if they operate under TILA they understand that if the decision isnt overturned, I will be forced to contact the SEC and let them know they're in breach of contract with them. Also, I'm being violated under 15USC1611, 15 USC 1602, 15USC1605, 15USC1662. They are also violating the ECOA & the Consumer protection act! If Im not given this consideration, I want my application retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/, I sent a letter to Transunion in regards to an inaccurate item on my credit report and I have yet to receive a response. This issue has negatively effected my credit and process in buying my home and I am very upset.

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 2024-02-05 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: NY

Complaint narrative:
I asked the the bureau for a full verification of all information on all accounts and they did and I found inaccuracies from my name to fraudulent accounts .according to 15 U.S.C 1681 I all false information should be removed

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Company had called multiple times a day, XXXX at XXXX, XXXX etc with an auto dialed and restricted number. Then stopped and called manually 7 times or more a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I asked Chase for a Liquidation  plan to settle my credit card with them. They offered me unfavorable terms and unfavorable payment options. I am asking the executive office to review more options that would be feasible to all invovled mutually.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: 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.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, I tried to activate my card. The activation site did not work on 2 browsers, so I called the number on the back of the card and I think it was finally activated. I then tried to add it to my wallet. Again. online did not work so I called the number on the card. They began asking an unusual number of verifications and then told me to give them my cell phone and proceeded to tell me it was " unauthorized '' I asked why and they told me it did not " meet the criteria ''. I asked what criteria and was told I can't tell you that until you give me another phone number. I asked for a supervisor. I got XXXX, This began all over again. Same process. Told me the number was not authorized. She asked for another phone number and I asked why. Against my better judgement, I gave her my home phone. She said that was unauthorized. This process is very suspect. Why they think my phone number is not good I have no clue. When a supervisor does not explain, this is not acceptable. I told her I wanted to close my account and she told me that she couldn't do it and needed to send some letter. I called back again and asked to close me account and was told no. I needed to verify the account and go through this process that doesn't work. I asked for a supervisor. This supervisor, XXXX, would not close the account and said " wait for the letter if you won't go through the verification process. I asked for her supervisor 's name she said you are at the highest level. I said that she had a supervisor but she refused. This process is convoluted and to not be able to cancel a card within a reasonable period of time makes no sense.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Beginning in XX/XX/2023, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.

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 2024-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NV

Complaint narrative:
My husband passed away on XX/XX/XXXX. He had a first loan and a second loan on the house. The second US Bank, I have been having difficulty with communication. US Bank said they needed {$6400.00} in XXXX to bring it current. I sent US Bank a cashiers check via overnight mail. Weeks went by, and I received nothing by mail. I contacted them, and they said I should receive something in the mail. I wait. In XXXX, I called and inquired again about the {$6400.00} XXXX sent, and they could not talk to me because I was not on the loan. I said well, you took my {$6400.00} to bring the loan current. They said sorry, you are not on the loan, but we can accept the money to bring the loan current. By this time, they stopped sending statements in the mail. In XXXX ( possibly the XXXX ), I came home to a Notice of Sale on my door, set for XX/XX/XXXX. I immediately called them back, and they said yes. I spoke with a gentleman named XXXX. He said that US Bank did not file a paper that stopped the foreclosure when the account was brought current. In the meantime, I had to contact the US Bank attorney to try to get it stopped. I received a letter of rescission on XX/XX/XXXX. At that time, I applied for assistance. The bank responded by mail they are reviewing it and could take up to 30 days. Last week I received a letter saying they have closed the application for assistance due to Successor in interest has not been established. This is so frustrating that they can not just let me know they need documents that I have. They closed the case as of XX/XX/XXXX. I am currently seeking an attorney or other guidance.

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 2024-02-05 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: EQUIFAX, 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 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : 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 response to consumer: Closed with explanation