vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: Rocket Mortgage, LLC
State: DC

Complaint narrative:
Mortgage bankers from Rocket Mortgage have contacted me several times over the past month about refinancing my house. I explained that I was already completing that process with a different company and I was not interested in working with Rocket Mortgage. OnXX/XX/2024 XXXX XXXX ( from Rocket Mortgage ) called and told me he was looking at my file and would put together something for me. I explained to XXXX that I was not happy with Rocket Mortgage 's business practices and I did not want to refinance with them. I also explicitly told XXXX that I did not want anything done to pull my credit because I was working on repairing my credit and didn't want an unnecessary hard inquiry. XXXX stated that they could already see my information and nothing would impact my credit. On XX/XX/2024 I received an alert from each major credit bureau reporting an inquiry into my credit. After checking each bureau, I saw a had inquiry from Rocket MortgageXXXX XXXX ignoerd my request and pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife has XXXX and in a XXXX XXXX  for 3 yrs. She does not know me. The Bank of America ( Allegiant ) refuses to recognize me as her Power of Attorney saying they need a notarized or certified copy of the Power of Attorney document, which includes a notarized stamp, seal and notary signature. I have done this 5 times. XXXX of XXXX the branch office computer showed the account was closed. A month later I got a letter saying Great news! Weve approved your application for a credit card. We never applied for a new card. The new card used her name with no middle initial, and an annual fee of {$59.00}. I had the branch office issue another POA document notarized at the branch office. I got another rejection letter stating Unfortunately, the Power of Attorney you sent was incomplete asking again for a notarized stamp, seal and notary signature although it was provided by the branch office. In XX/XX/XXXX I received another letter stating Unfortunately, the owner name on the Power of Attorney document you sent doesnt match the name on the account, please send us a valid ID for the account owner. They changed the name on the card.

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 monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that Experian, XXXX and XXXX update my personal information on several occasions. As of this date no information has been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Hello, I've paid what I could the last 13 years and my loan has yet to show for it due to high interest rates. The principal of the loan is XXXX and i paid well over XXXX 've been deceived by my Navient private student loan about requirements with XXXX on-time payments to release my co-signer ( my father ) from the loan and steered toward repayment plans that resulted in borrowers paying more than other options.I can't move improve my financial situation with this loan. I'm married and have XXXX children. I want to get a house but This enormous debt would make it very difficult to get. My federal loans were discharge due to my college being closed for being a profit college with false pretenses. I received refund of the payments XXXX XXXX need help if possible, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive had credit card fraud with XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Ive had credit card fraud with XXXX, XXXX, golden 1 and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had XXXX personal credit card accounts along with a business credit card from Chase Bank that were abruptly closed. It was explained this was due to me requesting too many accounts with other financial institutions and having too many authorized users on an account it was triggering that the account was possibly inflating the credit of the other users. 
The personnel I spoke with explained the triggers and noted regardless of how long I have held accounts with Chase, no mater how in good standing I was in regarding payments or even my credit score, I was still a risk factor. I asked why it was an issue if chase does not put a limit on the amount users if they allow account holders to put as may as we desire. They admitted I was in my right to do so, but its still a flag regardless if I did what I was allowed to do with my account. 
I have many accounts outside of chase. I have family and friends on my accounts for many reasons. I do not have a choice on how the credit bureau reports for credit cards. All of my credit history was with chase, I didn't even have the option of them closing one account and petition to reopen it. All accounts were canceled. So all my work to obtain excellent credit by holding multiple accounts, letting balances reflect and paying them onetime go punished and now get washed because I used my account within the guidelines that chase gave me. 

I have XXXX years with chase and over XXXX credit score. I have never abused my accounts in any way. You don't get over XXXX credit score with one or two account and low limits. High credit limits, history and multiple accounts are what one has to do I order to obtain great credit. I explained I have excellent credit for his very reason. My authorized users have nothing to do with it, and if this was a concern to chase it should have been discussed and instead of closed all of my accounts, close the one in question and allow for extra review. 

So chase is allowed to ruin ones credit on the assumption that they are possibly aiding another credit. Which is far from what the situation at hand is. It extremely disappointing after all these years this is the course of action. Because an assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with 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 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
XXXX XXXX, Mercedes-Benz Financial Services USA LLC XXXX MBFS ) & Mercedes Benz XXXX XXXX XXXX XXXX XXXX ) still can not find the evidence to specifically validate where XXXX XXXX XXXX and agreed to the terms of the promissory note ( Retail installment contract ) it clearly shows a Guarantor never signed and consented to any contract allowing the dealership or the assign MBFS the right to do a repossession ). its illegal to repo a vehicle or act out the actions of the terms and agreement without the signed consent of all parties involved. without these signatures MBFS actions from XXXX has been fraudulent and violated consumer rights. 

this case has been well documented as followed Mercedes-Benz Financial Services USA LLC ( MBFS ) is in receipt of case XXXX from the Consumer Financial Protection Bureau XXXX CFPB XXXX and certified correspondence via XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX also As previously corresponded on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, to cases XXXX, XXXX, and XXXX from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and address. I have attachments that will show you inconsistent information.

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 2024-04-11 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: MO

Complaint narrative:
Experian the credit reporting agency is allowing companies to furnish adverse items of information other than convections. which violates my consumer rights 15 USC 1681C ( a ) ( 5 ).

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Ive had credit card fraud with discover, XXXX XXXX XXXX and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : Name : XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, Name : 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 2024-04-11 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: NY

Complaint narrative:
I contacted XXXX about my loan. My credit report ( XXXX and Equifax ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. XXXX advice me that the Suppression on my account would be lifted in XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from XXXX was reported incorrectly. 

I contacted XXXX again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a XXXX representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with XXXX being in Suppression. I was told there must be a misunderstanding on XXXX part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX and Equifax state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, XXXX was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Loans forgiven XX/XX/XXXX XXXX I logged into the XXXX account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I contacted XXXX about my loan. My credit report ( Experian and XXXX ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. XXXX advice me that the Suppression on my account would be lifted in XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from XXXX was reported incorrectly. 

I contacted XXXX again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a XXXX re

presentative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. I contacted the Department of Education about my account with XXXX being in Suppression. I was told there must be a misunderstanding on XXXX part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXX. XXXX reported on my credit report : XXXX, XXXX, Experian Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to XXXX. XXXX reported on my credit report : Experian and XXXX state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, XXXX was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX, XXXX, Experian Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Loans forgiven XX/XX/XXXX XXXX I logged into the XXXX account. On my account it stated {$0.00} and closed. I provided screenshots of all my 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 2024-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 
XXXX XXXX  account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 
XXXX XXXX account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was opened without my knowledge

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 2024-04-11 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: SC

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

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-04-11 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: SC

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

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 explanation