vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. Experian XXXX XXXX is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in 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 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: General Mortgage Capital Corporation
State: TX

Complaint narrative:
I sent a check ( ck # XXXX ; {$3100.00} ) for my XXXX mortgage to General Mortgage Capital Company in the beginning of XXXX, and the check was cashed by them on XX/XX/2023. After I sent my XXXX check to them, I received a letter from them that my mortgage was transfer to XXXX XXXX and the payment we paid to General Mortgage Capital Company will be transferfed to XXXX XXXX. Then, I realized that the payment did not transfer to my new loan company, and I started to call General Mortgage and submitted proof of check withdrawal to confirm my payment on XX/XX/2023. Based on the phone call, the CSR from General Mortgage told me that they need to confirm if they have received my payment. If they have received it, it might take XXXX  months to complete the transaction. Then I keep calling to follow up with them, but still no update. The last time I call General Mortgage was on XX/XX/2023. The customer service from General Mortgage told me that they confirmed they did not receive my payment. I was so shocked at that time. Then I called the bank and told them the situation and tried to dispute this transaction. However, after the banker checked on my case, he said this check was cashed by General Mortgage Capital Corporation which is the same with the title on my check. The XXXX bank is unable to stop this payment. Seems like my money disappeared after General Mortgage XXXX XXXX cashed the check. I have attached all the documents, like proof of check withdrawal, letter form General Mortgage Capital Company that showed they did not receive my payment and did not apply the check amount to my mortgage account.. 
Please let me know if you need more information from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023, at the XXXX XXXX XXXX. I discussed purchasing some products from a XXXX XXXX sales representative named XXXX XXXX. We got to the point of discussing price, but never agreed to a purchase. I did not even know about a credit application, as that was not discussed at all. XXXX requested a signature, but I refused and specifically stated that I was not purchasing. I was clear, and there was zero confusion about my refusal. 
Despite my refusal, and in what I consider blatant fraud, an order for the product was placed, and this credit account was opened.

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 2023-11-21 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: TN

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX 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
Consumer complaint received 2023-11-21 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: TN

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX 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 2023-11-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX 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
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-21 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: NY

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$140.00}

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 2023-11-21 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
Since XXXX of XXXX, in the past XXXX months, they have put my student loan back into repayment 5 times. I am currently a student at a registered school. Each time I have to contact them to put it back into deferment which they have done up until the most recent time that I contacted them. My loan is still not deferred and no one has responded to me. I have also asked questions about why this continues to happen and how I can change lenders which has also not been responded to. 
XXXX change in loan terms ( loan put into repayment ) XXXX new financial information ( deferment ) XXXX change in loan term ( loan put into repayment ) XXXX in-school deferment granted XXXX change in loan terms ( loan put into repayment ) XX/XX/XXXX in-school deferment granted XXXX billed for monthly payment ( received late fee of {$4.00} when paid in XXXX as I thought it was in deferment per in school deferment granted on XX/XX/XXXX. 
XXXX billed for monthly payment XXXX in school deferment granted XXXX change in loan terms ( loan put into repayment ) Message sent on XX/XX/XXXX regarding in school status with no response. Loan is still in repayment.

This is the worst experience I have ever had with a financial institution. I am really tired of dealing with this company and I would really like to know how I can change my lender. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: AZ

Complaint narrative:
I hope this letter finds you well. I am writing to dispute the accuracy of a collection account on my credit report. The account is under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, with the account number XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX, and the reported balance is {$310.00}. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX and Equifax credit bureaus. I would like this account to be removed from my credit report profile. 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I do not recall having any account with XXXX XXXX XXXX XXXX that would result in this reported debt. Given the lack of familiarity with this account, I request a thorough investigation into the validity of the reported debt. 

Details of the disputed account : - Collection Agency : XXXX XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$310.00}. 

As a consumer, I am entitled to accurate and verifiable information on my credit report. I kindly request Equifax to investigate this matter promptly and, if the debt is found to be invalid, to remove the aforementioned collection account from my credit report. I have enclosed the following documents, -FTC Report -Current Utility BILL, -Current State ID, -Current SSN. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I appreciate your attention to this dispute and anticipate a timely resolution. Please provide written confirmation of the results of the investigation. 

Thank you for your assistance in rectifying this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Furnishers must have procedures to respond to identity theft notifications from CRAs and prevent refurnishing the information. They can not furnish information identified as resulting from identity theft unless informed otherwise by the consumer. If inaccurate information is furnished due to identity theft, the furnisher must notify CRAs of the correct information and report only accurate information. When notified of an identity theft debt, the furnisher can not sell, transfer, or place it for collection, except in limited circumstances.

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 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Contacted me today, Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. EST. stating that he was looking for someone else, and that my telephone number is associated with the individual. I informed him that his call is unlawfull, to contact others regarding a specific individual and notifying them that they have a recovery agent calling regarding the debt ( s ) of another. I did record the call, as I live in a state that recorded telephone calls are permitted, and lawful. At the end of the call, the agent called me a " XXXX ''. That is also on the recording. The alledged recovery agent is from PORTFOLIO RECOVERY SYSTEMS, stating that they are located in the state of Kansas. Another agent refused to give e a location at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I bought a used vehicle from Audi in XXXX in Maryland, I financed it thru Audi Financial services. I moved to California in XX/XX/XXXX and since registered my car here, paid the vehicle sales tax and did everything CA requires. I paid off my vehicle in XX/XX/XXXX, it is XX/XX/XXXX and still no title. This is extremely time sensitive as I need to sell my car ASAP. I called Audi about this issue in XXXX, I was told they would investigate and call me back, they never did. I've since called Audi 3 times in XX/XX/XXXX and they continue to tell me the same issue- they don't know but will research and call me back. Every time I call for an update they tell me there still isn't one. 
They have confirmed I've paid it off. Last I spoke with them, they told me we could try a lien release form that I could take to CA DMV, they said it would be overnighted and two days later I've never received.

We are going on 10 months of no title since I paid off my car. This is fraud and my title is being withheld with no explanations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IN

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I lost my American Express credit card and someone use the credit card to make purchases, I do not know about that, American express did not provide detail about purchases, they did not investigation, never contact me about investigation, just tell me to pay totals {$8300.00} Attach documents show purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IN

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
See attachment : In the three attached credit files ( EquiFax, XXXX, XXXX ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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