vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: CO

Complaint narrative:
When I ran a credit report from TransUnion in XXXX, I noticed my DOB was wrong, So I called the company. I mailed documents ( drivers license and passport ) copies to them, and verified that they received them XXXX weeks ago Monday XX/XX/XXXX. I called on Friday XXXX and Customer Service said they had received the documents and would make the correction within the week. I have called weekly since then, and each time, I was told by Customer Service that the change would be made within the week. The last time I called was XX/XX/XXXX, and I was told that the correction would be made within the week. Please help me get my personal information corrected at TransUnion, as I am in the process of applying for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
These inquiries were not made by me and are considered unauthorized on my credit 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been trying to find information on Experian 's website where I could freeze and unfreeze my credit report. They make it impossible to find this information. And they don't have any kind of customer service - only an automated unhelpful call-tree system that doesn't provide this info. And they keep trying to sell you their XXXX XXXX XXXX- which of course costs money. XXXX Experian is hiding information to the free credit report freeze/unfreeze service ( which they are obligated to provide )- and trying to sell their paid services to unsuspecting consumers - as if that's the only way they can freeze their credit file. The other 2 credit bureaus, XXXX and XXXX make it simple and easy to find this info as soon as you login. I hope CFPB will look into this matter and hold Experian accountable for the damage they've already done to untold number of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These inquiries are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
It started with them buying my loan from XXXX XXXX. 
Mr cooper called a few times. Said I was behind on mortgage. I said I was not. It was a dispute from the start. They ended up being right but I fixed the problem and made the payments once I was aware and proved wrong. Then I went into forbarence after that. 
My son suffered XXXX XXXX. I had to take off work and I lost everything. I went into forbarence in XXXX until XXXX when I sold the house and the loan got paid in full. There should be no credit hits but for some reason it shows I'm 60 days late in my.credit report. Every time I try call Mr cooper home mortgage. It goes to automation and it's almost impossible to get to a person for help. The only way I have been able to get to a person is by directing me to the refinance dept. Which couldn't help but with my story transferred me. I made around 4 phone calls over this hit on my credit. Each one took over an hour and I got a different story every single time. One person said they would send me all the proof of payments saying I was not late. So I got off the phone. Checked my mail and it was a blank email from Mr cooper. 
The next person said I was late in XXXX. But I went into forbarence in XXXX. Right after my XXXX payment. I made my XXXX payment on XX/XX/XXXX. I was already struggling. Then went into forbarence. 
Now I'm trying to start all over with my family and I can not put an offer in on the house we want to buy because of this 60 day late credit hit that should not be on my credit report. 
Mr cooper home mortgage has been the worse company I have ever done buisness with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a car reservation through Chase Rewards Travel on XXXX.I was charged {$1200.00} in advance. I picked up the car at XXXX at the airport in XXXX, FL on XX/XX/2024. I was told that I would have to pay an additional fee of {$13.00} per day for my wife to drive the car. I was told that this fee was because I had rented through a third party ( Chase ). 

On XXXX I called the company to tell them that I wanted to return the car because of the extra fee. They told me to just bring the car in. I returned the car on XXXX. I have not received any refund for the 27 days that I did not have the car. 

They took the car back and kept all the money, including an extra {$69.00} for my wife and the milage ( XXXX miles ). 

At no time did either company tell me that this reservation was non-refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MO

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Regarding Inaccurate Reporting on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported on my credit report by : 1. Bank of America ( XXXX XXXX XXXX XXXX, FL XXXX ) and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX The information in question pertains to a charge-off that has been included on my credit report without legal basis. 

Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt. The absence of such documentation raises concerns about the legality of the reported charge-off.

The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies.

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-03-20 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: PA

Complaint narrative:
I am attaching a police incident number for the identity theft that has been ongoing on my credit report for the last two years Im asking that the credit bureaus remove all the accounts and fix my score this has been an ongoing problem and it needs fixed the incident number will provide the police 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 2024-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
This company LoanDepot had a data Breach around XX/XX/XXXX. This company LoanDepot didn't let me know my personal information was stolen until five months later, so during period from XX/XX/XXXX until XX/XX/XXXX my credit score, address, social security number, and personal information have been affected by this company LoanDepot because of a data Breach that happen back on XX/XX/XXXX and I feel they are total responsible for me getting denied for my VA Mortgage loan that was denied because this Company had a Data Breach on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and Transunion. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to XXXX, XXXX, and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, Equifax, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts. 
2. I do not authorize you to disclose account payment amounts. 
3. I do not authorize you to disclose instalment amounts or terms. 
4. I do not authorize you to disclose credit limits. 
5. I do not authorize you to disclose credit purchases. 
6. I do not authorize the reporting of my payment history in $ amounts. 
7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, Experian, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts. 
2. I do not authorize you to disclose account payment amounts. 
3. I do not authorize you to disclose instalment amounts or terms. 
4. I do not authorize you to disclose credit limits. 
5. I do not authorize you to disclose credit purchases. 
6. I do not authorize the reporting of my payment history in $ amounts. 
7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to Experian, 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 2024-03-20 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: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, ) I am Attaching identity and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bepensa Capital, Inc.
State: NY

Complaint narrative:
I requested a loan from the bank to buy a car, which I started paying on XX/XX/XXXX, on XX/XX/XXXX, my car was stolen, I started the process with the car insurance and they contacted the bank to find out how much my debt was to date to be able to make the payment and solve the problem with the insurance, when the insurance advisors told me the amount that the bank informed them that I owed them, I went to review the contract, the payments that I had already I made and the value of the interest, I realized that the amount that they are charging me of interest is not correct since they are going to be paid for the total value of the car at this time and I do not understand why they charge me the interest As if I were paying it in the XXXX years that the contract is, the value that they are charging me in interest is not correct since the time does not correspond to XXXX months, because is the total value of the debt going to be paid off this same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One completely IGNORED the full content of my original complaint XXXX. 

They sent a XXXX XXXX letter that did NOTHING to address the areas I included in my complaint XXXX. 

CFPB closed the original complaint XXXX which was unacceptable. Did CFBP bother to read what Capital One included in their reply? THE ORIGINAL COMPLAINT SHOULD NEVER HAVE BEEN STATUSED TO CLOSED. 

It is clear that CFPB doesn't really do much at all because IF you cared, you would NOT close a complaint until the consumer has the chance to review how the company replied to the complaint. Nope. CFPB just checked a box after Capital One issued their weasel answer - that the complaint was considered closed. FAIL. Why don't you leave the complaint in " active '' status UNTIL the consumer either indicates " all is well '' XXXX  " company did not address and this needs further attention ''? 

And now I have to waste MORE time creating a new complaint. THIS complaint includes the non-action on the part of the CFPB ( you do nothing but pass things on ) as well as the FAIL on the part of Capital One to answer the questions I included in the original complaint. You do not hold the company to any " standards/protocols '' besides checking the box that they sent " something? '' There is NO review of their reply? So they get a pass and I sit here, wasting time with yet another complaint about the same issue. 

I called your phone number today and spoke with someone who said her name was XXXX. I tried and tried to get answers as to why CFPB closed XXXX and when she could not answer my questions, and I asked to speak with a supervisor, SHE HUNG UP ON ME. And this is why I now have filed another complaint. Unreal.

Company response to consumer: Closed with explanation