vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
After discussing looking into getting a mortgage with a lender, New American Funding, I filled out an online portal. I was under the impression, from a phone conversation, that for " preapproval '' all that would be necessary was a soft credit pull. The credit authorization I filled out specifically stated that they would " obtain information from my personal credit profile or other information from a consumer reporting agency solely to conduct a prequalification for credit. '' A hard credit pull was done. After calling to the lender to complain I was told that this document allowed for them to make a hard credit pull. 

Considering this was to be used exclusively for prequalification and that our loan XXXX assured us that only a soft pull would be done for preapproval, I feel that this company is misleading the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
XXXX sold me a car with a bad transmission and had me signed misleading paperwork that states that I will be responsible for paying a {$100.00} deductible on a bad car even if its under their warranty. I havent had the car for a month. I received the car from XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car stopped working while I was commuting with my XXXX young daughters. I have called XXXX and asked to speak to a supervisor but was hung up on. Could you please process my complaint for I do feel like this is a very unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: AZ

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-17 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: GA

Complaint narrative:
I am now requesting proof of the previous investigation for XXXX XXXX account # XXXX. XXXX asking that you send your method of investigation, along with all the records of who you spoke with. Their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update my account to PAID/NEVER LATE and send me a copy of my updated credit report.

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 2024-08-17 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: LA

Complaint narrative:
I have 2 hard inquiries about XXXX XXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses. 

I also have a police report which the bureaus keep requesting of me so with all I'm doing I'm requesting these things be removed.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 2024-08-17 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: AL

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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was denied a car loan with XXXX XXXX 2 months ago and because I was already denied even with the follow up this inquiry has to be removed from my consumer report file. Per 15 usc 1681 they are to be fair and equitable to consumers, confidential meaning if I didn't give them permission for them to post that to my consumer file or my credit report its illegal and its not accurate.

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 2024-08-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2024-08-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Despite Rocket Mortgage pre-approving me for {$820000.00} ( which was {$170000.00} MORE than the price I ended up being under contract for - {$650000.00} ), having a 60+ day close, and the fact I provided Rocket Mortgage with the executed contract the same day it was executed ( which clearly displayed the option period, option fee - {$100.00}, and the earnest money I had at risk {$5000.00} ), they waited until the week I was scheduled to close to inform me that I would not be able to purchase the home. Also, prior to that while I was still under contract, they waited until roughly two ( 2 ) weeks before I was scheduled to close that I would not be able to purchase the property via a FHA loan and they proposed a Conventional loan, which they ultimately denied a day or so before I was scheduled to close. This displays not only their ignorance but also their gross negligence, which resulted in me losing money. 

In addition, despite the lies Rocket Mortgage continues to tell, I provided them with all information, including my financial information, within 24 hours of it being requested. Furthermore, Rocket Mortgage 's negligence caused me to breach a contract I executed with a tenant, which not only caused me reputational harm, but it also resulted in me losing additional money! 

I detrimentally relied on Rocket Mortgage, and as a result, I have suffered repetitional harm and financial damages possibly up to {>= $1,000,000}. Also, I do feel that I was discriminated against by Rocket Mortgage due to my race and ethnicity. 

I have plenty of documentation that supports Rocket Mortgage 's negligence and callous disregard for consumers, specifically me. Furthermore, as displayed, Rocket Mortgage refuses to admit their negligence, they refuse to reimburse me for my earnest money ( {$5000.00} ), option fee ( {$100.00} ), inspection fee ( {$790.00} which would not have been completed if I knew Rocket Mortgage would not loan me the money This is completely unacceptable and Rocket Mortgage nor any company should be allowed to cheat people out of their money, especially when it is solely due to their negligence. 

If Rocket Mortgage does not reimburse me, IN FULL, for all of my damages, send me an apology letter admitting & outlining their negligence, and provide me with their Professional Liability insurance information ( insurance company, policy number, policy effective dates ), I will not only expose them publicly for their lies, fraudulent tactics, and discriminatory practices through the media ( XXXX, XXXX XXXX XXXX XXXX XXXX, etc. ) and I will swiftly pursue litigation & also inform my local Congressmen/Congresswoman and Senators. And yes, I have spoken with an attorney, and they agree that Rocket Mortgage is 100 % negligent and I would easily succeed against Rocket Mortgage and their professional liability insurer in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ID

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 explanation
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
I was reviewing my consumer report and noticed these accounts that is reporting inaccurately.

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 2024-08-17 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to XXXX XXXX XXXX XXXX, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on XXXX XXXX XXXX XXXX of the XXXX code. 

AFFIRM INC Account number : XXXX Date opened : XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Self Financial Inc.
State: CA

Complaint narrative:
i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code. 

SELF FINANCIAL/XX/XX/XXXXAccount number : XXXX Date opened : XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Never heard anything back was trying to get my disputes done with third party crediting places like XXXX, XXXX XXXX, and others nothing seems to go away they always Gave me the run around about how to do the process tried to do it more then once but when I request it, I would get the run around about I did it too many times and things like that.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Dear XXXX I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ).

I am requesting that you provide me with the following information : 1. The original creditor 's name and address.

2. The amount of the alleged debt.

3. Verification of the debt, including any documents that prove I owe the debt.

4. A copy of the original contract or agreement that created the debt, if applicable.

5. The date the debt was incurred and when it was assigned to your company.

6. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely XXXX XXXX XXXX XXXX All rights reserved 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 2024-08-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.

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