vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
XXXX, XXXX, and TransUnion is the third party company. Which means not only did my bank violate me under the privacy act of XX/XX/1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well. 
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of XX/XX/XXXXXX/XX/XXXX by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the XXXX, TransUnion, and XXXX to Reinvestigate these accounts :

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 2024-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of XX/XX/1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well. 
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of XX/XX/1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the XXXX, XXXX, and Equifax to Reinvestigate these accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  did a inquiry on my credit on XX/XX/year> and on XX/XX/year> without my knowledge or approval.

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 2024-01-22 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: MD

Complaint narrative:
I am requesting that it will be removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Union Home Mortgage Corp
State: IL

Complaint narrative:
On XX/XX/2023, I enrolled into automatic payment of my mortgage. I was going out of town, and was ensured by the UNION HOME representative that they would do automatic payments from my checking account which I had enough money for withdrawing these payments. 

When I got back into town, NONE of the payments were withdrawn from the checking account and I received mortgage statement showing that I was past due. 

I tried to immediately call this lender and NO ONE answers the phone and NO ONE calls back. 

I do not want any late payments to be recorded on my credit report which is a bank error and not mine.

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 2024-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit inquiry on my credit report that need to be remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Today my adjustable mortgage interest rate, which is based on the XXXX rate, was increased to 8.25 %. 

My rate changes every 6 months and this is an increase from the previous 6 months, and yet, the XXXX interest rate has only declined. Today it is at 5.31 %. 

When I called my lender, they could not provide me with any digital documentation, and stated that my rate was calculated on XX/XX/XXXX. They refused to explain further or make changes, stating that this rate was now fixed until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my experience as a consumer with XXXX XXXX. 

It has come to my attention that XXXX XXXX is currently facing legal action initiated by the New York State Attorney General for allegations of predatory lending practices. Regrettably, I find myself among the victims of such practices, which transpired between the dates of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, just XXXX weeks after purchasing the vehicle, I discovered that the dealership had been closed down. Attempting to rectify the situation, I approached XXXX XXXX, requesting a refund and the return of the car. Unfortunately, my plea was met with refusal, and instead, I found myself burdened with high payments that were beyond my financial means. 

The situation worsened when the economic challenges brought about by the Covid-19 pandemic left me unemployed from XXXX to XXXX. Consequently, I faced difficulties in meeting the financial obligations, leading to the repossession of my car by XXXX XXXX. 

In my pursuit to rebuild my financial standing, I have encountered persistent challenges in removing XXXX XXXX from my credit report. Despite a brief period where they were removed, they reappeared XXXX months later, negatively impacting my credit score. This has impeded my efforts to secure housing and hindered my ability to make significant financial decisions. 

I am currently employed and committed to improving my credit score to achieve financial stability. I kindly request your assistance in rectifying this matter promptly and ensuring the accurate representation of my credit history. 

I believe that resolving this issue will contribute positively to my efforts to rebuild my credit and enable me to make responsible financial choices in the future. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, [ XXXX 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my experience as a consumer with XXXX XXXX. 

It has come to my attention that XXXX XXXX is currently facing legal action initiated by the New York State Attorney General for allegations of predatory lending practices. Regrettably, I find myself among the victims of such practices, which transpired between the dates of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, just XXXX weeks after purchasing the vehicle, I discovered that the dealership had been closed down. Attempting to rectify the situation, I approached XXXX XXXX, requesting a refund and the return of the car. Unfortunately, my plea was met with refusal, and instead, I found myself burdened with high payments that were beyond my financial means. 

The situation worsened when the economic challenges brought about by the Covid-19 pandemic left me unemployed from XXXX to XXXX. Consequently, I faced difficulties in meeting the financial obligations, leading to the repossession of my car by XXXX XXXX. 

In my pursuit to rebuild my financial standing, I have encountered persistent challenges in removing XXXX XXXX from my credit report. Despite a brief period where they were removed, they reappeared XXXX months later, negatively impacting my credit score. This has impeded my efforts to secure housing and hindered my ability to make significant financial decisions. 

I am currently employed and committed to improving my credit score to achieve financial stability. I kindly request your assistance in rectifying this matter promptly and ensuring the accurate representation of my credit history. 

I believe that resolving this issue will contribute positively to my efforts to rebuild my credit and enable me to make responsible financial choices in the future. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I made a purchase with XXXX using my XXXX Credit Card. During this time, I was switching bank accounts from XXXX XXXX to XXXX XXXX. I have numerous credit cards, and unfortunately, I overlooked setting up automatic payments for this specific XXXX card with my new bank. 

When XXXX contacted me in XX/XX/XXXX about a late payment, I immediately apologized and offered to pay the entire outstanding balance. They informed me of the remaining amount, which I promptly paid, thinking that would resolve the issue. However, they inexplicably charged my account all but {$2.00}, leaving a lingering balance I wasn't aware of. 

Fast forward to XX/XX/XXXX, I received another call from XXXX stating I owed {$18.00} due to attempted charges on my closed XXXX XXXX account, which were naturally declined. I reiterated that the XXXX account was closed and requested they stop attempting charges there. Frustrated but eager to settle the matter, I offered to pay the {$18.00} to clear the balance. 

Despite paying the {$18.00}, the account remained open with outstanding charges. My calls seeking resolution were unproductive, with conflicting information and no clear answer on how to clear the balance. My efforts to address the issue consumed hours, adding to the frustration. 

Now, even after assurances from XXXX representatives that the issue is resolved, this {$2.00} discrepancy, plus additional fees, has landed on my credit report as a 30-day late payment on XX/XX/XXXX, damaging my excellent credit score. This is unacceptable, especially considering my history of responsible credit card use and timely payments on thousands of dollars monthly. 

I am at a loss with XXXX. Their inconsistent communication, inability to resolve the issue, and damaging my credit score warrant further action. I need assistance navigating this situation to restore my credit score and hold XXXX accountable for their negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. Experian has refused to do so. On XX/XX/, I called Experian and spoke to an agent named XXXX who refused to provide me with an XXXX ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute 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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I had a load with Nissan Motor Acceptance Company for a XXXX XXXX XXXX. In Late XX/XX/XXXX I attempted to pay off the loan while shopping for a new car. 

When trying to close out my loan online so I could get the title, the system would not let me pay off the car immediately. XXXX 's online system would not let me pay off immediately and forced me to wait until XX/XX/XXXX. When I called XXXX attempting to pay of the vehicle over the phone, I was told they would need to charge me multiple additional fees in order to pay it off immediately because of the money transfer. XXXX finance had been directly billing my account for years with no fees, but said they were unable to take payment using this method despite the long history of doing so. 

It is now the end of XXXX. They forced me to wait 2 weeks to may a car payment that should have been available to payoff immediately. Over 2 weeks later, I have not received a new title or letter I can take to the XXXX  to remove the lien. There is no reason they could not take my payment for the rest of the car over the phone or immediately charged my checking account. 

I have now had to pay an extra month of insurance on a car I am trying to get rid off because of their manipulative business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I was notified by XXXX XXXX XXXX XXXX that there was a credit inquiry on my credit report from Credit Acceptance XXXX in XXXX, Michigan. The applicant submitted the application at XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX. The persons name is XXXX XXXX and they were pre-approved for an auto loan in my name. I dont know this person. I dont live in XXXX any more I have live in XXXX XXXXXXXX XXXX XXXX for nearly 2 years now. This is absolute fraud.

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 2024-01-22 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: SameDay Auto Finance, LLC
State: TX

Complaint narrative:
Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/year> spoke with customer service for both checking/savings and credit cards no account in either system was associated woth my social securoty number. Both refused to allow me to speak to a supervisor.

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 2024-01-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in XXXX I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted XXXX, EXPERIAN, AND XXXX twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hi, I am upset with using the Capital One travel portal after getting my Venture XXXX card. Here are the issues : -The filter feature has a bug. I was unable to select premium economy and sort. 
-Flight itineraries disappear in a few minutes. There's a flaw here too that caused me to spend {$300.00} more per ticket. Maybe search option is not showing all the flights. 

-As Mentioned earlier the search is not showing all the flights ... when searching for a flight on airline 's website, I see better options ( shorter flights ) at the same cost as capital one portal. But turns out I can not use price match or other similar features. 

-I was not helped with price match coz I found a better pricing on capital one portal. Where's fairness if you can not match to your own price -After clicking a watch flight button when the bar pointed dark red and waiting, the price has actually gone up and the bar now points to lighter red. I missed a good deal because of this feature with bugs! 

-On my recent booking I saw a tick on seat selection without any asterisk and so I thought I am saving {$200.00} on seat selection but turns out most of the good seats are either paid or blocked. 

-I didn't get watch flight option on the flight options I recently booked. Where as this was one of the major reasons I got Venture XXXX. 

-Support staff at travel helpline is pathetic. When I asked them to help me call the airline and resolve an issue they asked me to make call myself. If I am not getting service then I would have used my another card where the travel desk makes an effort to help a customer out!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to commence an investigation on these accounts, as I am never late, but they are incorrectly reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
I have a collection for XXXX XXXX XXXX  which is affecting my credit score. I have attempted to dispute this collection in the past as it is inaccurate and was closed in good standing. 

Both TransUnion and the Debt collection company have failed to correct this mistake.

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