vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: VA

Complaint narrative:
On XX/XX/2023, I submitted a pre-approval application through a website called XXXX XXXX XXXX XXXX with the understanding that I was applying for pre-approval for an auto loan. I was told that XXXX would perform a soft pull of my credit file and present me with a list of various lenders and the rates for which I was pre-approved. XXXX 's FAQs ( XXXX XXXX XXXX XXXX make clear that the first step is pre-approval, and a hard pull is initiated " Only when you choose an offer to submit for lender approval. '' As I was completing what I thought was the pre-approval process, my application was forwarded to some other company called XXXX  and I was asked to provide additional information, including my social security number, so that my application could be approved. The relationship between XXXX, XXXX and The XXXX XXXX, was not explained or disclosed. I thought I was rate shopping with various lenders, when in reality XXXX is little more than a facade for this other company. 

Fortunately, I did not provide my SSN, which I believe would have triggered a hard credit inquiry without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: VA

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. 

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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Reference XXXX I filed a complaint with you, they responded with apology and stated they would refund the money but they Have not refunded and I have tried to contact them with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
MOHELA shows my loans are in Standard ( Level ) Repayment ; however I completed a federal " XXXX XXXX XXXX XXXX XXXX XXXX Request on the XXXX website on XX/XX/XXXX to change repayment to " Income-Contingent Repayment Plan. '' This request still shows to be in review ; however my student loan payment is due XX/XX/XXXX at the current standard repayment rate. I am requesting my repayment plan request be processed and if accepted, reflected on my statement, before I submit payment on XX/XX/XXXX. If this is not possible, I request Mohela/DoE set the loans status to administrative forbearance until the the request has been processed ( and if approved, reflected in the amount due per the updated repayment plan ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My card was used to purchase an XXXX XXXX XXXX XXXX via XXXX XXXX. The trip was to take place XX/XX/XXXX. The card was initially charged for the deposit upon booking. The final charge set to be charged XX/XX/XXXX. The card was used for other expenses however paid in full well over 30 days prior to XX/XX/XXXX. An email was received from XXXX vacations at XXXX XXXX stating the transaction was declined. An email from AMEX at XXXX was received stating there was a credit limit change to the account. After calling twice to attempt to get this resolved or questions answers, it was told by a service representative that the charge was declined and at that time a review of the account which the decision to lower the credit limit, AFTER the transaction was declined. The service representative could not provide much more information other than the scripted file an appeal after 5 days upon request to speak with a supervisor, it was met with I am just as capable and declined to be transferred. After requesting again, I was placed on hold only to be told minutes later that no one was able to talk and that I would receive a call back the same business day. No call back was received. Our XXXX wedding anniversary trip has now been cancelled. The emotional toll this situation has cause, less than 30 days before the trip is to take place. The lack of customer service, knowledgeable assistance and support was and still deplorable. The way that AmEx is conducting business by declining transactions and lowering credit limits within a few minutes timeframe is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
Take a moment to review the attached documents. I request the bureau to commence an investigation into these accounts, for which I am consistently on time, but are inaccurately reported as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Called me on XX/XX/23 leaving me a message to contact them regarding papers they want to have delivered. Called back would not give me any information, expect amount of debt owed. I explained to them hat I dont owe that debt and to contact my attorney. Then called my Mother and sisters and left the same message as I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear sir, I have received a letter regarding my fraud alert status. Since other credit report companies have started extended alert, I want to request your company to extend my fraud alert to 7 years. However, your company do not state what kind of documents are necessary for the extended alert. Would you tell me what I need to submit? 

And I request the credit report, too, to check the contents and dispute whatever necessary, as I did other companies. 

Also, I do not want you call me, Dear XXXX, as you stated on the cover page, since I am just a person, who requested the credit report, not Initial Fraud Alert, as far as I remember ; therefore, I request the written explanation why you have added this initial fraud alert without any consent of me. And you need to mention me by the family name. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: TX

Complaint narrative:
westlake finacial is still reporting a charge off after seven years on my credit reports, and they are showing a payment made two years later, trying to re-start the time period, I have talked to them, and they said that they will not remove this from my cedit, and will not show me proof of a re-start payment that they say was made in 2019, this is two years after the repo of the vehicle.I have never made a payment to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MS

Complaint narrative:
It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: MS

Complaint narrative:
It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I am also exercising my right as a consumer and requesting that Experian provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my Experian credit report 1. XXXXXXXX XXXX XXXXXXXX Acct # XXXX Amount of {$33000.00} 2. XXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I received notification from all my credit bureaus that collection agency Reliant Capital Solution added an account to all my credit reports. This collection agency never contacted me in any form or fashion so that I could dispute and prevent this account from being added to my credit files. This account with XXXX XXXX XXXX XXXX XXXX XXXX was removed years ago because this was not a validated debt that I owed. Therefore, it would have not been applied to my credit files because it is not my debit. I would appreciate this collection agency is contacted and advised to remove from my credit files that they are currently reporting to as of XX/XX/XXXX it was added. It was opened XX/XX/XXXX for the amount of XXXX and they had plenty of time to contact me regarding this account. This company violated by rights and this debt needs to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MS

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: FL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
In summary : The company sent an amount of approximately XXXX to collections which is now {$2500.00}. 

Background : I signed a joint lease with my XXXX  from XX/XX/XXXX, XXXX XXXX, XXXX, for a rental at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX We lived apart for many years and had this cohabitation arrangement for the duration of the lease. I notified the leasing office in XXXX and XXXX that I was no longer at the property, and I was moving out and left my keys. 

Although I had been living elsewhere before XX/XX/XXXX, I kept my obligation to pay the lease out and removed the remainder of my belongings at the end of XXXX, moving those items into storage located in another city. The remaining items on the property belonged to my ex. Im now trying to buy a home, and this has popped up on my credit, unbeknown to me. 

I am surprised since I provided my XXXX  with enough financial resources through the divorce to cover more than what she would owe in rent, plus she moved another adult into the property after I left. The office agreed to allow her to stay. She later was notified that she could not gain approval to lease on her own. I was out of the picture at this point and had nothing to do with that agreement. Based on principles and what is fair and lawful, I should not be held responsible for someone elses debt. I paid the rent from XX/XX/XXXX- XX/XX/XXXX and do not owe anything additional as my lease was up, plus I left the deposit. 

I sent a letter and they are supposed to investigate the complaint after XXXX when they are back in the office. I need this resolved quickly to move forward with my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: MN

Complaint narrative:
cross country mortgage will not stop calling me after i submitted an inquiry for a heloc. I have asked them no less than 4 times to remove me from their list and stop calling. I have already closed on a heloc with another lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: VA

Complaint narrative:
TransUnion failed to properly investigate erroneous information on my account. 
XXXX XXXX  Delete the bankruptcy. 
XXXX Deleted the bankruptcy. 
XXXX deleted the bankruptcy. 
Only TransUnion insisted that they have no intention to delete and they are refusing to produce the documents that proof it is my Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX  XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX v. XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION CORPORATION ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

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