vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
I am filling this complaint to CIC CREDIT for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: The Savings Group, Inc.
State: TX

Complaint narrative:
We purchased a XXXX and their finance company they required us to use provided us a loan for 5.96 %. We have excellent credit ( XXXX- over XXXX ) and once we received the XXXX we went to have the loan refinanced. With research through XXXX and reviews on auto loan refinance, Rate Genius had favorable reviews and advertised 2.39 % auto loan refinance rates, so we applied with them yesterday. 

We received an email reporting that the contract was being written last evening. Received a text today asking me to speak with them. I asked them to email me the rate offer and they declined to provide that information to me in writing, requiring that I call them so they can record the call. I called them and the representative asked me what I was trying to achieve with my loan. Very odd question since they are an auto loan refinance intermediary. They informed me that my rate with XXXX XXXX for 5.96 % is a great rate and they couldn't get anything less. I asked why they would advertise 2.39 % for excellent credit and he had no response other than telling me that's the current market. I noted that I would never applied to Rate Genius if it wasn't for their false advertising and now they had run a hard inquiry on my credit causing damage to my credit rating. I informed them I would be filing a complaint and reporting them to the XXXX. Upon subsequent research with the XXXX, numerous complaints on this same issue have been filed by other customers related to false rate advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of correct social and ID. Again!!!!!

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 2023-09-13 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: DC

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 : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: DC

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 : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number: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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im trying to find out what is going on with my credit score because its affecting my application with low income housing and I am XXXX I need help

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 2023-09-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been a victim of identity theft and reported it to the XXXX XXXX - XXXX, AL XXXX and file a police report. I received a threaten text message that the person has my DL, SSN, DOB and will post it to the Dark Web and they did. I have received 4 personal denial letter of person applying for loan and created an account with Social Security and the required code was sent to my phone. This alerted me that they created an account on XX/XX/. XXXX sent me a letter to give me a code to use but I didn't do it because I didn't request the account. I know my personal information has been in a lot of breach cases and I've contacted all 3 credit bureau. A lot of discrepancies are reported on each bureau report that needs to be corrected.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXXXXXX XXXX held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this

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 2023-09-13 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: NY

Complaint narrative:
old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXX XXXX  held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
On XX/XX/XXXX  I requested my PMI be dropped. It is below 78 % of original loan and they said they can not take it off unless I get a Home Appraisal. They said the Homeowners protection Act does not apply since the state of Florida was declared a Nation Disaster Area. They said I have to wait 24 months before they can automatically remove it. I then asked for documents that says why they wont drop my PMI. They will only send me the denial letter from XXXX of XXXX  that says I need to be at 78 % to remove it. So that's what I did. Today XX/XX/2023 and am past that amount and now they denied me again because the say that FEMA lets them get around it for 24 months but will not give me a denial letter. 


I want to know how Flagstar can override a Federal law and the Homeowners Protection Act. Can you please help in anyway. I'm a father of XXXX who has never missed any monthly payments. I have done everything they have asked me to do but they just say I have to pay the PMI. I asked if I could speak to someone higher than them and they said there isn't anyone that I can escalate this to.

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 2023-09-13 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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until May along with the rest of the student loan borrowers. As you can see on the Navient statement included, all loans were current through XX/XX/. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by Navient that NO PAYMENTS ARE DUE UNTIL XX/XX/. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score. 

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the Navient statement showing no payments due until XX/XX/2023. 

I first contacted Navient on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to Navient for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX  I attempted to withdraw XXXX from a XXXX XXXX  in XXXX, XXXX ( at XXXX XXXX ) the receipt shows, using my TD Bank ATM Debit card. 
The machine door that opens and gives the cash was faulty and began to crank and make grinding sounds as if the door was having trouble opening and was having a mechanical issue. I waited and waited, nothing happened, the door did not open, a receipt game out saying the money was deducted from my account and the screen went blank. The screen then said the machine was no longer in order. I immediately called TD bank and told them the issue. They credited my account the {$120.00}. 
In XXXX of XXXX, TD Bank then withdrew the amount from my card of {$120.00}. I called I emailed many times and the only response I received was the bank in the XXXX said I received the money .I didnt. 
I even called the XXXX XXXX  in XXXX and they stated that I would have to take it up with the credit issuing bank, TD Bank. 
In XX/XX/XXXX  I went into a TD Bank branch and filed again to get my money.nothing. I called again to file a complaint a few weeks ago and they always promise to get back with me but they NEVER do. 
I would like my {$120.00}. dollars returned to me. TD Bank did not do enough to resolve the issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/, I received a phone call from a phone number of XXXX. They claimed to be CHASE Bank and was alerting me about some fraudulent activity going on with my account. I was on the phone with them for awhile until the kept me on hold for over 10-15min. when i then hung up the phone. Later, about 2-3minutes later, I received a text message from CHASE bank, stating that my checking and savings account had a balance that was below {$50.00}. I then checked my accounts and noticed multiple withdrawals from an ATM that was not authorized by me. It was multiple ( XXXX ) transactions of {$100.00}, {$200.00}, {$300.00}, and $ XXXXThat itself made it clear that there were some definite suspicious activity going on. The total amount that was taken from my account was {$4400.00}. I immediately contacted CHASE bank to file a claim of fraud to my account that same day ( XXXX XXXX ). CHASE bank had denied my claims XXXX and XXXX. I then called CHASE bank to get an explanation for the denial. They then wanted me to provide proof that the transactions were not made by myself. So, on XXXX XXXX, I sent over credit cards statements that show myself not in the same area when the transactions were made with time stamps and everything. I also provided a Police report I made. I then waited for another 14-20 days for CHASE Bank to reply, and I got nothing. So I made another phone call to CHASE Bank on XXXX XXXX. The person from CHASE said that they did not reopen my claim for whatever reason and directed me to a Claims Manager. The Claim Manager, XXXX claims that there was not enough proof that it wasn't me that authorized the transactions and claimed that CHASE is not responsible for any of the lost funds. I'm going to continue to do what is needed for this issue to be resolved as I am a victim of fraud. 

Claim # 's : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 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: CA

Complaint narrative:
Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of correct social and ID. Again!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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. 


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
Consumer complaint received 2023-09-13 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. 


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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX  did stand-by cash for XXXX and did auto pay with them payment wasn't due yet I paid in full before due date but they reported to eqiufax that I still had a outstanding balance of the XXXX that I owe 100 % and that XXXX was paid on the loan still in my credit report with credit bureau but on Bank state ment says paid in good standing they reported this to credit bureau before due date plus I had auto pay set -up was never taken out of my account so when they reported it before due date as not paid it dropped my credit score XXXX points tried fixing with everyone but getting nothing in compliance I have to wait now to get results I file dispute with credit company all I got was someone that verily could talk XXXX and couldn't understand they problems properly as this was Bank mistake not mine I'm writing this so it doesn't happen to someone else and I want it to change credit bureaus that don't care about your score or how much they decreased it.

Company response to consumer: Closed with non-monetary relief