vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SVB FINANCIAL GROUP
State: CA

Complaint narrative:
On XX/XX/2022, I received a decision from Silicon Valley Bank regarding a conventional home loan application. The bank did their due diligence and checked my credit, collateral, and ensured that I had the funds to qualify for the loan. Silicon Valley Bank denied my application solely on my immigration status and the fact that I only possess work authorization. I am a XXXX  recipient and despite that I told the bank rep that each immigration situation can be very unique and the bank should consider that, they still denied me. My understanding that one can not be denied on the basis of XXXX XXXXXXXX, religion, national origin, XXXX, marital status, or age. I do not believe that the bank is exercising sensible policies in lending. I am a first-time homebuyer and from a historically underrepresented population. I find that their practices are not advancing lending for people from underrepresented communities and not abiding by the CRA. I hope you can help with this decision as there was no other reason for Silicon Valley Bank 's denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXXXXXX Card Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX I have reached out to all companies and all credit reporting bureaus.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I've simply asked the to quit sending me emails soliciting services they sell. I have contacted them several times to no avail.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: UT

Complaint narrative:
I received a collection letter in the amount of {$200.00} from Prince Parker & Associates Inc. 
for XXXX XXXX XXXX from a business I owned, XXXX XXXX. 

a ) I never had an XXXX XXXX XXXX account for XXXX b/c there would be no use for it. 
b ) I currently have an open, active XXXX account so if any error for this service was ever made, XXXX would have billed me directly. 
c ) XXXX XXXX has been closed for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX, XXXX, XXXX has me under different names and addresses. I would like for my bankruptcy to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
Santander repossessed my vehicle, then a year later I was included in the lawsuit against Santander. Since they had already repossessed my vehicle and sold it I wasnt able to get it back, so instead I got a refund check from Santander. They were suppose to remove any balance left.vI have been constantly fighting with the them and XXXX with no response other than them increasing the amount of debt that they were sued to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Someone stole my identity and opened fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, XXXX and Transunion : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : Experian, XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Hi, I reached out to Affirm to stop an accidental full payment XXXX mins after it happened. They advised me they would not be able to stop it and it would take up to 5 to 6 days to return the money. ( XXXX from affirm ) Advised there is not enough money in the account to cover the XXXX. Advised that I am making a good will attempt to notify Affirm of the accidental pay off. Again XXXX said there is nothing they can do till the money is deposited and they can then ask for a return of the money. I again advised them the transaction was less then XXXX mins ago. My bank has stated no request has been done. XXXX stated again it would be XXXX to 6 days before they could return the money back to the account. 

I again stated this was accident and there is not enough money to cover the amount. I am making a good fath attempt to bring attention to the issue. I asked for a manager ( XXXX ). XXXX advised that he would not be able to do anything. I advise to contact leadership with a ticket. He said It would take 10 to 15 days for this to be address. One of the reasons they dont offer this path. 

They did advise if the payment fails there would not be a follow up attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the last several months ( starting XX/XX/XXXX ) I've sent XXXX and TransUnion numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided XXXX and TransUnion with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by XXXX and TransUnion to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, XXXX and TransUnion have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). XXXX and TransUnion have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from XXXX and TransUnion conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that XXXX and TransUnion remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by XXXX and TransUnion to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I identified discrepancies with this account and validation was requested as I informed the company that this debit was not valid and paid off by my car insurance, I even provided paperwork. I reviewed my credit report again and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account. Please strike and remove this account from all three credit bureaus until adequate validation has been received. 

Dispute XX/XX/2022, amount {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion is being negligent with my consumer disputes for inaccurate, incomplete and unfair information please see the following letter

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 2022-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Lexus Financial Services for the interest I have earned, as a result Lexus Financial Services is trading my securities on the exchange. This has been done without my knowledge and constitutes that XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is committing SECURITIESFRAUD against me which is an automatic federal offense under XXXX.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

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 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased a new home valuation ( XXXX ) through the servicer ( Chase ) for the purpose of PMI removal. The XXXX was completed, and Chase sent a letter confirming the new value and the principal balance ( XXXX  ) that would need to be reached to qualify for PMI removal ( {$210000.00} ). 
On XXXX, I made the necessary principal curtailment to bring the balance below this threshold ( in addition to my regular monthly payment on XXXX ). 
In the payment screen of the Chase website, I specifically selected the " Principal payment '' option for the curtailment. Chase misapplied my principal curtailment, causing my principal to remain above the threshold. 
Note : {$400.00} out of my regular XXXX monthly payment should have gone to principal, per the amortization table -- I was including this in my overall calculation. 
I contacted Chase 3 times, but their responses failed to even recognize my issue. They only replied with thoughtless, copy and paste style answers. I am providing copies of the following documentation : ( 1 ) all complaint correspondence ( 2 ) proof of my regular monthly payment ( 3 ) proof of my principal curtailment ( 4 ) New valuation and UPB requirement letter from Chase ( 5 ) XXXX and XXXX account statements ( 6 ) Recent transaction history ( 6 ) Amortization table from loan origination The numbers are as follows : XXXX as of XXXX : {$210000.00} Principal Curtailment : {$2900.00} XXXX payment portion to principal : $ XXXX Total principal reduction : {$3300.00} My XXXX  should now be at {$200000.00} Somehow, my XXXX  XXXX still showing as {$210000.00} *This number came from Chases amortization schedule as of XX/XX/2022, which I did not save a copy at the time that I viewed it. The Chase website now no longer provides the XXXX  portion of their amortization table, but I provided a copy of the original version from the loan origination. The portion to principal varies slightly, but not by enough to make any material difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
On XX/XX/2022, WILLIAMS & FUDGE INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA WILLIAMS & FUDGE INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation