vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: NJ

Complaint narrative:
I am deeply worried about the wrong inquiries attached on my account, I want you to make an action regarding this misinformation that you have given on my account.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/year>, we approached Rocket Mortgage for a mortgage. We have a house, no mortgage. We wanted to use the equity on the house to get some money for renovation. Rocket Mortgage asked us for {$500.00}. We paid. 

At closing, on XX/XX/XXXX, we learned we didn't have to do escrow. That was never explained. We asked Rocket Mortgage to remove escrow. They refused. We exercised our right of Rescission on XX/XX/XXXX. 

On XX/XX/XXXX, we asked Rocket Mortgage, by email, when we would received our {$500.00} deposit back. My wife, who is in charge of all the exchanges, provided all the information and relevant extracts of 12 CFR Part 1026 ( Regulation Z ) and the official interpretation of Paragraph 23 ( d ) ( 2 ). 

We were answered by XXXX XXXX : " Good afternoon, the Good Faith Deposit is used for upfront cost of the loan such as credit reporting fee and appraisal report. The appraisal report cost is {$650.00} there is no room for refund. 
Best regards, Rocket XXXX XXXXXXXX XXXX Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX '' We would like to file a formal complaint against Rocket Mortgage. 

To be transparent, when we received that email, we did file a dispute with our credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
Good afternoon, I enrolled in auto debit with mohela, for the past three months there has been no issue with deducting from my bank account and having my payment processed in time. For this month, I got an email saying that my payment is " past due '' despite receiving email confirmation that they deducted from my bank account AND the amount posting to my bank account. Not only is my payment " past due '', I am incurring penalty charges and it is not showing up on Mohela 's website as being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: AZ

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 2024-03-02 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: AZ

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 2024-03-02 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: FL

Complaint narrative:
I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: FL

Complaint narrative:
I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXXXXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.

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 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Card was open in my name without my permission.

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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX XXXXThat made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX XXXX that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.

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 2024-03-02 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: DE

Complaint narrative:
Greetings, I am XXXX, reaching out to request the elimination of particular data from my record. The information to be erased is specified in the attached document. I have been a target of identity fraud, and I did not approve these transactions. It is essential to remove these entries to correct my credit history. I have already informed the Federal Trade Commission about the identity theft and have enclosed copies of the Identity Theft Affidavit. I respectfully ask for the swift removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had a rewards credit card with this scammy bank. I always kept the card was current and I paid in full every month.They arbitrarily decided to close my account after I had accumulated {$340.00} in rewards which are reflected on my last statement which I've attached. I spoke with a Supervisor named XXXX ( Operator # XXXX ) on XX/XX/XXXX who stated that even though my card was closed, I would have to wait until the anniversary statement ( XXXX ) to cash out my {$340.00} rewards balance. I asked if the rewards check would just be mailed to me automatically? She stated that I would just need to call in and tell them that my account is closed and they would have to manually request the rewards check to be mailed to me. I waited until the XX/XX/XXXX statement generated, and I called in and was told they couldn't give me the rewards I had earned because the account was closed. I reminded the operator that supervisor XXXX back in XX/XX/XXXX had already told me back on the day when the card was closed, that I would still get the rewards on the card even though it had been closed since I had rightfully earned them from purchases I had made. Very shady and unscrupulous bank. Don't keep their word or their terms. The scam they're running, is entice customers to use their card based on the false premise of earning rewards which will be paid out annually, thereby earning the bank lucrative interchange fees. Then arbitrarily close customer accounts just before the anniversary date when they'll have to award those rightfully accumulated rewards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX XX/XX/XXXX : Received a statement from Hunter Warfield Inc. stating that {$2500.00} was owed. I called Hunter Warfield and they said the money was owed to XXXX XXXX in XXXX, AL, an apartment complex I used to live at, for 'cleaning and damages '. I disputed the claim. I also called XXXX XXXX directly to ask why this debt was owed and they declined to respond. This was a surprise to me, as I had received a final account statement back from XXXXXXXX XXXX when I left and received my full security ( {$350.00} ) deposit check in the mail two months later. 

My wife submitted a dispute on the Hunter Warfield website in XXXX. 

XXXX XX/XX/XXXX : I received confirmation from Hunter Warfield that the debt was disputed and that XXXX XXXX had not responded. 

XXXXXXXX XXXX order Hunter Warfield to collect a fraudelent debt from me. As you can see in attachment XXXX, XXXX issued me a final account statement, stating that there were no charges after move out, dated XX/XX/XXXX, and even returned me the {$350.00} deposit that I gave at move-in in XXXX of XXXX. Hunter Warfield sent me a statement dated XX/XX/XXXX with the {$2500.00} charge. This was not consistent with my statement at move-out. 

Additionally, I have 10 months worth of on-time rent payments and {$0.00} account balances to further highlight the fact that there is no such debt owed to XXXX XXXX XXXX This is not attached because it contains personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against InComm Financial Services regarding their handling of a tampered Vanilla Visa Gift Card ( VGC ) purchased from XXXX. The details of my complaint are as follows : On XX/XX/XXXX, I purchased a Vanilla VGC with a balance of {$500.00} from XXXX, paying a {$5.00} fee. Upon attempting to use the card, I discovered that the last two digits of the card number were scratched off, and the {$500.00} balance had been depleted in an unauthorized transaction at XXXX. I promptly reported the tampering and unauthorized transaction to InComm Financial Services on XX/XX/XXXX ( case number XXXX ). 

Despite following the instructions provided by InComm Financial Services and submitting the requested documents, including proof of purchase, documentation of the tampering and my identity and contact information, the issue has not been resolved. The status of my case was updated to " documents received '' and " replacement card sent '' after approximately two weeks. However, as of today, XX/XX/XXXX, I had not received the replacement card. 

During the past three months, I had called InComm Financial Services multiple times to check update, request tracking information, and ask for another replacement card. On XX/XX/XXXX, I received an email from InComm Financial Services that a replacement card was shipped via XXXX and would arrive within 2-5 business days, but the card never arrived. When requesting a tracking number for the shipment two weeks later, I was informed that one could not be provided. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that InComm Financial Services issues a replacement card in a timely manner and provides tracking information upon shipment. 

Attached to this complaint are copies of relevant documentation, including receipts, photo of the tampered card, and email correspondence with InComm Financial Services.

Company response to consumer: Closed with explanation