vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
**Complaint to the Consumer Financial Protection Bureau XXXX OneMain Financial** To Whom It XXXX Concern, I am writing to file a complaint against OneMain Financial XXXX which I believe engages in predatory lending practices. My experience with them has been highly distressing and financially damaging. 

In 2021, XXXX authorized a title loan for me that exceeded the value of my car at the time. The loan XXXX failed to educate me about critical aspects of the loan, including the exorbitant interest rates and the availability of hardship insurance. I only discovered that the loan was interest-bearing about two months ago, highlighting the lack of transparency during the loan process. 

Shortly after taking out the loan, I lost my job. Despite this, I continued to make my payments diligently and have never defaulted. When I recently requested an alteration to my payment amount due to my current financial hardships, I was denied because I did not have the hardship insurancea policy I was never informed about. 

The loan process itself was highly irregular and rushed. The loan officer was preoccupied with figuring out how to approve the loan, despite my deceased grandfather still being the owner of the vehicle. He managed to get the loan approved without using my grandfather 's death certificate, which struck me as unusual. A year later, the Department of XXXX required me to remove my grandfather 's name from the title to renew my registration. However, OneMain, holding a lien on the vehicle, initially refused to assist because that would mean giving me my title in order to get the courts to remove my grandfathers name. It took a month of persistent crying and emailing before I could get my registration. 

Recently, I received a credit notification that my loan amount with XXXX had increased. This is shocking and unfair, given that I have been making payments for XXXX years and still have a substantial amount left to pay. When I reached out to debt consolidation companies, I was informed that XXXX does not allow their loans to be consolidated, which is outrageous given that even student loans can be consolidated. 

Had the loan XXXX properly educated me about the loan terms and the hardship insurance, I would have never agreed to this predatory loan. I feel trapped and exploited by XXXX 's practices and seek justice for the financial hardship they have caused me. 

I urge the Consumer Financial Protection Bureau to investigate OneMain Financial for their predatory lending practices and to hold them accountable for their lack of transparency and unethical behavior. I am also considering legal action against XXXX for their predatory practices and would appreciate any assistance or guidance you can provide. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, Back in XXXX  when I closed on my home i was told i only needed to put down 15 % but then days before closing they forced me to put down 25 % in a days notice. I was very overwhelmed and had to borrow money from family in order to close on the home ( which to this day I am still unsure why they needed 25 % ). It was unclear and Im still left confused. My monthly mortgage was also not lowered by any amount, even though I put about {$26000.00} more down. My friend who is a financial lawyer informed me to contact CFPB about this. Not only that, Chase made me pay a ton of money for their lender placed insurance which was their fault completely. I was attempting to get my own cheaper insurance but needed the Declaration page of their insurance in order to get my own. I ended up paying over a XXXX dollars to Chase for their own lender placed insurance which felt like entrapment. I have attached all emails below :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
PLEASE DLEETE THE FOLLOWING ACCOUNTS AND INQUIRIES NOW THANK YOU XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Bankruptcy Court Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Chapter XXXX Bankruptcy Case Number : XXXX. 
Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : 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 2024-08-07 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$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 explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: HI

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XX/XX/XXXXXXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
Privacy and Confidentiality under XXXX XXXX XXXX XX/XX/XXXXXXXX and XX/XX/XXXX XXXX had 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 an 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. Accounts need to be removed from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX ( Account # XXXX ) on my Experian credit report. As of XX/XX/year>, this account falsely shows a balance of {$11000.00}. This account was fraudulently opened without my knowledge or consent and was subsequently sold without my authorization. I demand its immediate removal from my credit report and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXX XXXX XXXX account reported on my Experian credit report, with a fraudulent balance of {$11000.00} as of XX/XX/year>, is not mine. It was fraudulently created and does not represent any legitimate debt or obligation that I have incurred. Furthermore, this account and my private information were sold without my consent, constituting a violation of my privacy rights and consumer protections. 

Violations and Impact The inclusion of this fraudulent account on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). The presence of this account has caused undue harm to my credit profile, including a negative impact on my XXXX XXXX and potential financial opportunities. 

XXXX Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit report. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including fraudulent accounts. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft. 
XXXX. Right to Privacy : The unauthorized sale of my personal information, without my consent, is a breach of my privacy rights.

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 2024-08-07 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: FL

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX and XXXX, I encountered significant and troubling issues with Wells Fargo involving unauthorized financial activities and mismanagement of my accounts. Specifically, funds were misappropriated from my existing accounts, and new accounts were opened in my name without my consent. Additionally, I was enrolled in various services and products unexpectedly and without my authorization. 

Details : Date of XXXX : Between XXXX and XXXX Amounts Involved : Although the exact amounts are varied, the unauthorized transactions resulted in significant financial discrepancies in my accounts. 

Actions Taken by Me : XXXX. Contacted Wells Fargo Customer Service : Upon discovering the discrepancies, I promptly contacted Wells Fargos customer service to report the unauthorized transactions and account openings. 
XXXX. Requested Investigation : I requested a thorough investigation into the unauthorized activities and demanded the closure of all fraudulent accounts. 
XXXX. Monitored Accounts : I meticulously monitored my accounts for any further unauthorized transactions and reported additional suspicious activities to Wells Fargo. 
XXXX. Documentation : I kept detailed records of all communications with Wells Fargo, including dates, representatives spoken to, and reference numbers for my complaints. 

Actions Taken by the Company : Initial Response : Despite my prompt reporting, Wells Fargos initial response was inadequate. They did not provide a satisfactory resolution or clear explanation for the unauthorized activities. 
Continued Unauthorized Activities : Even after reporting, new accounts and services continued to be opened in my name without my consent, exacerbating the issue. 

Impact : This series of events has caused significant stress, inconvenience, and potential damage to my financial standing and credit. The unauthorized use of my personal information and funds is a severe breach of trust and security.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EGL US, LLC
State: IL

Complaint narrative:
Called to XXXX customer service to update confirm correct address, and was told to report address as fraud listed on credit report. I've never lived at these addresses. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, account # listed as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX account # listed as : XXXX XXXX, an online dealership : Account number listed as : XXXX, amount listed as : {$25000.00}. Account does not belong to me, reporting as fraud. 

BMG Money : Online pay lender : Account numbers listed as : XXXX {$1600.00}, XXXX {$3000.00}, XXXX {$5000.00} all listed on credit report. Accounts does not belong to me, reporting as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief