vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am writing to complaint to USAA FEDERAL SAVINGS B about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. 151 that unambiguously obliges a described of the modus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-27 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: HI

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: HI

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: PA

Complaint narrative:
This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) that states I should receive the information I am requesting in 15 days. 
I received results on XX/XX/year> via CFPB Portal a after I submitted dispute via CFPB XXXX XXXX on XX/XX/year> based on the fact that my PRIVACY RIGHTS are being violated because the listed laws below have been violated. 
The results stated in response to both accounts listed below that I disputed states : ( THE ITEM BELONG TO YOU ) Trade : XXXX XXXX XXXX Additionally, this account is reporting a Horrible inaccurately amount reporting a balance of XXXX on an account with a XXXX Credit Limit and should be removed in its entirety because it is also in violation of my privacy as it should not be reporting on my credit report in the first place. 
Trade : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
My dispute was based solely upon my privacy rights being violated NOT whether the accounts belong to me or not. The ( 2 ) accounts are illegally reporting blatantly without my PERMISSION in violation of my PRIVACY!

Both accounts should not be reporting on my credit report in the first place without my CONSENT.

Both accounts are in violation of FCRA 602 which states I have a right to PRIVACY.

Both accounts are in violation of FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can NOT furnish an account without the written instructions of the consumer.

Both accounts are in violation of Section 6802 which failed to inform me that my non public personal information would be reported to a third party and failed to get principals permissable purpose.

Both accounts are in violation of Section 6803 of this title ( b ) the consumer is given the opportunity before that time such time information not be disclosed to such third party and ( c ) the consumer given an explanation of how the consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
Both accounts reporting are in violation of 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) reporting containing information solely to transactions and experiences between the consumer and the person making the report.

Again, I request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) All the records that will reveal the procedures used that led to the accounts to be Verified/ Updated as stated according to the results I received on XXXX  online via CFPB # XXXX. Additionally, I am requesting the names of the persons you spoke with and their Business Name, Address, and Telephone numbers within 15 Days in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or remove the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I purchased a new construction home. I alleged that there was fraud in the origination and breach of warranty. HUD told me that I must make a HUD complaint through my lender. The lender is actively refusing to initiate the HUD complaint. They acknowledged receipt of my complaint to them and state they aren't the responsible party for initiating the complaint. This is contrary to my instructions from the government after contacting HUD. This is a clear breach of their fiduciary duties. They must assist in resolving the fraud related to the loan they hold and service. HUD will NOT work with me directly. 

They identify themselves as the loan servicer. HUD requires that the loan services initiate the complaint. They are attempting to shirk their duties while still getting paid. I did not choose Pennymac as my lender. They purchased my loan and forced me into being their customer. 

This is the lender 's own statement on the matter : Dear XXXX XXXX, I show your request regarding your complaint was addressed on XX/XX/XXXX with Customer Service. During your conversation, your request was forward to the retail department. However, the servicing of the above referenced loan was transferred on XX/XX/XXXX from XXXX XXXX XXXX to Pennymac. We are the loan servicer and we recommend you contact the original lender to see if they are able to further assist with this issue. You may contact XXXX XXXX XXXX directly at XXXX. For your review, the loan Closing Disclosure has been made available online in the Statements and Documents section of your on-line account. Please ensure to click on the " Documents '' tab. Thank you, XXXX XXXX, The Pennymac Team

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-06-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
A new vehicle was leased with an open recall. Per the XXXX there was a recall opened on XXXX. The vehicle was leased XXXX. The lender, which is also an arm of the manufacturer, has failed to assist in any meaningful matter and has shifted the blame. It is my understanding that new vehicles with open safety recalls may not be leased or sold. This is a federal law, and it is criminal. I am asking that the lender do their job to investigate fraud that occurred during the initiation of this loan. 

There were also issues with the financing. I was preapproved and filled out an application, but at signing they raised the the monthly payment by {$200.00} with no real explanation of why this differed from the pre-approval. I believe there may be additional financial crimes that need investigated as well. 

There was a car protection package that the lender couldn't find. The dealer then told me I didn't buy it, so I had to buy another one. The dealer was supposed to refund it after I proved I did pay for it. That's {$1700.00} missing that is supposedly " check is in the mail '' but nobody can actually confirm. 

I don't know what Chrysler pulled with all this, but I do know I {$1700.00} protection package became an issue of confusion, the vehicle was illegally sold with an open recall, and the lender and dealer only want to blame each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-27 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, 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 non-monetary relief
Consumer complaint received 2024-06-27 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I went in to Chase Bank on XXXX XXXX in XXXX or XXXX XXXX, Illinois on or about XX/XX/year>. I met with a personal banker there to discuss and submit papers to add me as property power of attorney to my mother 's personal checking account. As of today, despite at least three personal visits to the Chase Bank, XXXX XXXX branch in XXXX, Colorado I STILL HAVE NOT have not be added as power of attorney to my mother 's personal checking account. I reside in XXXX XXXX. My mother resides in XXXX XXXX, Illinois. I have submitted all relevant paperwork to Chase Bank. 

It has been at nearly 30 days since I submitted my request. Still, it's not done? How can that be? It's a simple process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NJ

Complaint narrative:
It is very much upsetting that my credit report contains inaccuracies and incomplete information. My requests to correct these information keeps getting disregarded and my credit score is negatively affected.

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 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My Mortgage bank Selene Finance have denied short sale under my hardship. I have been in contact with Selene along with my real estate agent to resolve this matter. Offer made to my home covered XXXX percent of the loan owed. Selene went ahead and sold my home under foreclosure under a hardship and short sale offer. Selene received {$10.00}, XXXX as a deposit for this offer but yet denied it. Please see my attachments of proof of such events. Also they mishandle documents when attempting to get a loan modification. 

When applying once for a modification they gave me a run around for almost a year a mishandling my documents and even sent me someone else account papers which broke breach of confidentiality. I asked serveral times during this season to send me records of my house and they refused. 

I have had my home home since 1999 my exhusband refinanace serveral times, interest rate high, and most what was left of home loan is interest. Many inadequate procedures with equity over time and other unthical procedures with short sale being ignored. 

My XXXX XXXX agent, attorney and free legal advise stated Selene did a terrible unthical procedure for me as a homeowner attempting to resolve loan under a short sale that was high enough to pay off the loan. 

I'm requesting my account be forgiven and my credit clear as i'm presently homeless and unemployed. A single woman at age XXXX with a XXXX XXXX however have not been able to sustain employment after having covid twice and enduring medical procedures. I have proof of everything and caring for my XXXX mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NJ

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
In accordance with the fair credit reporting act 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency cant furnish a account without my written instructions USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alco Capital Group, LLC
State: WI

Complaint narrative:
This debt is over XXXX XXXX XXXX, and I am on XXXX. I sent them the paperwork to let them know I am exempt. They still garnished my check ; I work part time. There documents are false. There is no judgement against me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
That this is a housing company and even though Ive provided full documentation proving my identity, they still choose not to let me access my own TransUnion account without going thru a 3rd party vendor

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