vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Fundo LLC
State: AL

Complaint narrative:
I cant get in touch with anyone via phone call, the website keeps giving error message when you try to enter information to get in contact with someone, their email address isnt working. Theres no way to see your progress or payoff. But they keep taking funds WEEKLY instead of monthly like they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is in regards of a letter that I received from TD auto finance stating that they are going to share my personal information with their affiliates and others, and there is nothing I can do about it. On XX/XX/year> I've spoke to representative XXXX to let her know that I do NOT want TD auto finance to share my personal information with anyone without my consent. XXXX just hang up my phone call, and did not help me with my complaint. This is an unfair treatment, and an abuse by TD auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a student loan from my daughter through XXXX  but quote interest rate was not correct so when I was finally able to log into XXXX the loan servicer and saw the interest rate was 9 % I decided to immediately pay it off in full I logged into XXXX servicing on XX/XX/year>, selected pay in full and made a payment in the amount of XXXX. I saw the payment on the Chase side so assumed all was set. I logged into XXXX recently and it shows no sign of payment, I called into XXXX and they can't find a payment made. I called Chase and they told me they don't open disputes for ACH transactions. I am not sure whose end this issue is on but both are refusing to help me. I am currently out of pocked {$5000.00} and the loan is still accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 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: TX

Complaint narrative:
I am having issues with the credit bureaus lack of investigation and failure to respond in 30 days. I contacted them due to errors on my reports that I noticed while looking to apply for a car for my son. I noticed several inaccuracies and reporting that needed to be corrected or deleted. I have provided them with more than enough of my personal information and documentation for them to validate my concern. I also contacted the creditors and they have not conducted an investigation either. I recently filed complaints with the XXXX  and FTC and will continue to shine light on their lack of attention to detail and treating consumers concerns like we don't matter. It is urgent that this gets resolved as soon as possible.

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 2024-12-02 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: TX

Complaint narrative:
I am having issues with the credit bureaus lack of investigation and failure to respond in 30 days. I contacted them due to errors on my reports that I noticed while looking to apply for a car for my son. I noticed several inaccuracies and reporting that needed to be corrected or deleted. I have provided them with more than enough of my personal information and documentation for them to validate my concern. I also contacted the creditors and they have not conducted an investigation either. I recently filed complaints with the XXXX  and FTC and will continue to shine light on their lack of attention to detail and treating consumers concerns like we don't matter. It is urgent that this gets resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
XXXX and Transunion are neglecting my rights under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) they have not on numerous occasions ater being sent certified mail requested results of investigations into inacurate information on my credit report. XXXX has completed and removed all negative information that was not me. They will not give me any information and will only say that IT WAS VERIFIED AS ACCURATE, They are participation in willful non compliance. Legal steps will be made if this isn't rectified though this complaint.

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 2024-12-02 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: Experian Information Solutions Inc.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-02 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I tried called XXXX and they marked these hard inquiries as unauthorized the complaint number is XXXX. I have XXXX hard inquiries on my XXXX credit report that I never authorized the first being XXXX XXXX XXXX on XX/XX/XXXX and the second being Onemain on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had a case opened against them before. NO ONE RESPONDED TO ME ABOUT ANY RESPONSE TIME ON MY PART. I cant close my account. the prompts are not accurate and you can not speak to anyone. However I see you all filed a suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint regarding my recent refinancing experience with XXXX XXXX XXXX, which has been severely impacted by issues stemming from my previous servicer, Freedom Mortgage. 

During the refinancing process, XXXX XXXX XXXX attempted to obtain a payoff statement from Freedom Mortgage. Unfortunately, the information provided was inaccurate and delayed, leading to substantial complications in my refinancing efforts. This delay not only prolonged the process but also caused me significant stress and uncertainty regarding my financial obligations. 

Despite my efforts to resolve this matter directly with Freedom Mortgage, I have encountered unresponsiveness and a lack of clear communication about the status of the payoff. This has resulted in unnecessary fees and a longer wait time for my refinance to be completed. While it closed Freedom stated several times after that they made a mistake and sent XXXX XXXX XXXX an internal payoff with a netted escrow instead of a payoff where I received my escrow refunded. I am under the impression that the escrow account with the lender is my money and should not have been netted to a 3rd party Lender. 

I believe that this situation warrants your attention, as it raises concerns about the practices of Freedom Mortgage and their impact on consumers like myself. I kindly request your assistance in addressing this matter and ensuring that proper measures are taken to prevent similar issues from affecting others in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
There are fraudulent items on my credit report that I have no connection to and have never benefited from in any way. These accounts and transactions were added without my knowledge or consent and I believe to be fraudulent. Ive already reported this issue to the Federal Trade Commission and followed all necessary steps, yet these fraudulent items remain on my report. It is both frustrating and concerning to see these inaccuracies and fraudulent acts continue to harm my credit and put my financial security at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: AL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-02 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: GA

Complaint narrative:
I have sent out a letter to XXXX, transunion, and XXXX on XX/XX/year> and none have responded it is now XX/XX/year> XXXX claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as XXXX and tranunion my consumer profile should be correct and fix to reflect that its 100 % accurate as per law

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 2024-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent out a letter to XXXX, XXXX, and Experian on XX/XX/year> and none have responded it is now XX/XX/year> Experian claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as XXXX and XXXX my consumer profile should be correct and fix to reflect that its 100 % accurate as per law

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 2024-12-02 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: NC

Complaint narrative:
I keep sending XXXX a block request for fraud accounts and they keep saying they have not received my documents. one representative tells me they have while another says they have not received them. and then i can not get access to my online account. I found out from the IRS that someone stole my identity to file false tax returns from 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 2024-12-02 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: NC

Complaint narrative:
I keep sending XXXX a block request for fraud accounts and they keep saying they have not received my documents. one representative tells me they have while another says they have not received them. and then i can not get access to my online account. I found out from the IRS that someone stole my identity to file false tax returns from 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 2024-12-02 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writting to disputed HARD INQUIRIES ON MY CREDIT REPORT.I have indentified unauthorized inquiries on my creditd report made without consent. The responsible creditors confirmed they have evidence of my authorization.I REQUEST THEIR IMMEDIATE REMOVAL. ACCORDING THE FAIR CREDIT REPORTING TO SECTION 604 ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authori, theses hard inquiries and can not find any permisssible purpose under this section that justifies their presence on my report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation