vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
The company is Dovenmuhele that I'm complaing about. So I was out of work due to a back injury and placed on short term XXXX which was a huge decrease in pay. I as well had a severe case of covid that caused loss of income. I immediately contacted my house for a program through loss mitigation in XX/XX/XXXX. We constantly sent in stuff and begged for assistance this entire time. They finally offered us a modification in XX/XX/XXXX. So we stayed an active case in loss mitigation this whole time. In XXXX, XXXX and XXXX of XXXX we began the trial period for the modification with all payments needing to be on time. We then completed that and had no payment in XX/XX/XXXX, as the new loan was starting XX/XX/XXXX with the new payment amount. During this time several customer reps and supervisors stated they couldn't report late and they did. They promised to remove them once we completed the trial period and turned in our notarized paperwork. We did this and none of the lates were removed. Also, they then reported XXXX, XXXX, XXXX and XXXX late. If we would have paid late they would have kicked us off of it. We have proof they were paid on time. We have several emails and letters sent to the company and they never do anything about it and say no it's right. But several other lenders stated during loss mitigation they can't report late as we reached out to other companies to see what they said about this and loss mitigation told us that as well. They have destroyed my credit while I was in an active loss mitigation case. This shouldn't affect me as it took them so long to get stuff on their end together to work up something for us. It was ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is in regards to 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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called Hyundai Motor Finance and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the Hyundai Motor Finance Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to Hyundai Motor Finance

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 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have called chase several times requesting a wire fraud scheme of {$16000.00} dollars sent to an XXXX XXXX who was then sent to a XXXX XXXX. 

I sent them money for and XXXX verification badge in XXXX of 2022. As of today I have been blocked on all platforms and denied a refund for the service that was never rendered. When I opened a wire recall withdrawal and spoke with representatives they said it was up to who I sent it to. 

I spoke to XXXX several times who begged me to cancel it and he would help me retrieve my money. That never happened. So I have been defrauded of {$16000.00} and many others have been as well. I will attach the links below. 

I tried to escalate this with chase and they essentially told me tough luck. 

I want a solution to this. I filed a complaint with the ftc and fbi as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
Funds were stolen from my XXXX and XXXX wallets and transferred to a Binance Wallet using XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/23, I mailed a letter to TransUnion requesting an investigation into a negative mark on my credit report from XXXX XXXX XXXX XXXX XXXX  ( see Exhibit B ). 

In my letter I requested that TransUnion provide evidence that proves the accuracy and completeness of this XXXX mark ( Exhibit B ). 

Here is the excerpt ( see Exhibit B ) : -- -- -- -- -- -- -- " Please provide Payoff disclosure, Interest rate disclosure, Balance history, Payment history, and Credit insurance. 

Im also requesting that you guys send me some kind of proof of this item like a note, contract, or a document from the creditor bearing my signature. 

I read that federal law requires your investigation to be completed within 30 days and Im also requesting a description of the procedure you used to complete the investigation within 15 days following its conclusion. 

Please investigate and make all corrections immediately. I have included a copy of my drivers license and social security card to prove my identity and address. " -- -- -- -- -- -- -- TransUnion 's response did not include any evidence and I still believe this XXXX mark to be incomplete or inaccurate. 

Specifically, I believe the following information is incorrect : 1. Date opened 2. Loan type 3. Balance 4. Payment received 5. Last payment made 6. High balance 7. Original charge-off 8. Credit limit 9. Past due 10. Pay status 11. Date closed 12. Responsibility ( I don't think this is my INDIVIDUAL account ) I think the delinquency status reported in inaccurate too but I can't even address that part until TransUnion shows me where this data is coming from.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: 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 XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express refuses to give me a credit line equal to persons similarly situated as me because of my age and gender in violation of 15 U.S.C. 1691, 15 U.S.C. 1691 ( d ) ( 6 ).

After displaying preapproval, followed by post-application approval, Amex failed to issue and send the credit card which was approved and failed to send me a letter stating that the application was denied stating the reasons for denial, as is customary and standard in the industry. However, upon calling customer service and requesting information, i was told that my application was sidelined and not handled like other applications because of my age and gender. Therefore, my credit-worthiness was not even a factor in deciding whether to extend or not extend credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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'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 and 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 2023-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I sent letters to the company to dispute this on my credit report in XX/XX/2023 and XX/XX/2023, also. sent dispute letters to all credit bureau nothing from either of them following my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

XXXX XXXX  XXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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