vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-01-01 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: MN

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-01-01 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: MN

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have business account with Wells Fargo for three years, on the XX/XX/2022 they wired out {$9800.00} without telling me or notice XX/XX/2022 they wired out again {$14000.00} without letting me know, I find out on the XX/XX/2022 and report to them, they denied it and tell me resolved my self. This is scam bank please let everyone know this bank is fraud, this bank not safe and scary please be aware

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 2023-01-01 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:
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 instruction.

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 2023-01-01 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: CA

Complaint narrative:
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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Taking a down payment in a consumer credit transaction a violation 15 USC 1605

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has placed multiple Fraud alerts on my credit profile. I have reached out to them to remove these as this is hurting my ability to get new credit. I am not allowed to make any changes using online TransUnion portal, they are not willing to do it over the phone. I have sent multiple written requests still there is no resolution. 
I have spoken to supervisor in the Fraud department of TransUnion but I am being ignored with multiple excuses. I have sent written requests using : 1 ) Certified mail - ( most recent - XXXX ) 2 ) USPS priority mail express ( most recent - ( XXXX ) This has been very stressful to both my personal and financial life. I am reaching out to CFPB to help me out with this situation.

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 2023-01-01 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've sent in disputes to transunion, XXXX and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times

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 2023-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I began a refinance of my existing mortgage with Amerihome Mortgage on XX/XX/ 2022. From the time I started they have consistently lied to me, provided me with 12 closing statements at least, the underwriter was asking me for statements and documents that had nothing to do with the loan. Several times I had to speak with a supervisor who agreed with me but he too lied to me. I am an XXXX american single women, age XXXX. It appeared that either my race was an issue or my age. They kept finding things wrong with my loan. I had several closing dates, several rates that were locked in and finally they came up with a figure and kept trying to convince me that they would not charge me late charges because it was their fault. Since they have lied throughout this entire process, I do not believe a word they say. Finally on XX/XX/XXXX, XXXX eve, they delayed my travel plans to send a notary from XXXX to close. I was told that the loan would finance on XX/XX/ 2022. I received a notice from XXXX that the notary forgot to have me initial something. I initialed on XXXX XXXX, 2022 and returned the document. The {$11.00}, XXXX of the proceeds should have gone to pay off XXXX XXXX XXXX This check was supposed to be overnighted to the loan company. Low and behold, the Title company was informed to send the check to XXXX which there was no record, so they informed me they would overnight the Check to me. Then I would have to send to XXXX. What this told me was they did not even know who I owed. The overnight check should have been sent on the XXXX, and I should have received it yesterday XX/XX/2022. Never came. This Mortgage company and Title company should be investigated. They have cost me additional fees in interest on the Loan that I owed, They charged me a transfer fee when I agree to a direct deposit by giving them a cancelled check, additional fees in closing cost which I am not exactly sure how much they have charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NC

Complaint narrative:
I've sent in disputes to XXXX, equifax and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NC

Complaint narrative:
I've sent in disputes to XXXX, XXXX and experian. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. 

The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score.

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. 

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. 

I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I was XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/22, I tried closing my account that's associated with the email XXXX multiple times! I couldn't because it was limited ( no reason was given ). I even uploaded my driver 's license ; instead of further verification, the account permanently limited -- -there was no mismatch, for the record! I want my account closed -- -that 's all I wanted! They have no right to keep my data in their system! " Once an account is limited there is nothing we can do. '' What a disgusting company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX claims that On XX/XX/XXXX, XXXX XXXX formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX XXXX. XXXX went out of business on XX/XX/XXXX. I don't have an outstanding balance of {$73.00} with XXXX XXXX XXXX also advised that they never sent me to collections. XXXX 's practices are unethical I disputed with XXXX which removed the me from collections but Equifax continues to allow XXXX to report to my credit report even though I do not owe XXXX. XXXX advised that in response to my complaint, they have ceased collection in their office. Equifax needs to remove me from collections and not allow XXXX to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NJ

Complaint narrative:
So I sent a letter off on XX/XX/2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Iit took me and my x boyfriend to get financing for my used XXXX XXXX through Hyundai motor finance co. My price of the vehicle was supposed to be XXXX payments at XXXX for 12 months then was told by my sales person XXXX XXXX XXXX Hyundai XXXX NV in 12 months no problem we will refinance your loan to make it doable. Well some serious things happened to me as inappropriate actions by my manager at XXXX where I was assistant manager I have a pending Case with XXXXi explained this to the representative and they just said put you on a payment plan XXXX a week well XXXX obviously is fighting my unemployment so I was denied they have a lawyer as well. So I told HYUNDAI REP.i had no help XXXX who is also on this loan Also took our savings and rent and ran away I have been struggling but I had just got a new job and was only there 4 days and contracted XXXX XXXX FOR THE SECOND TIME AND OUT OF WORK SEVENTEEN DAY 'S I EXPLAINED THIS TO HYUNDAI REP.. NOTHING I asked for a refinance I asked for payment deferral I've asked and asked for help before we are at the point we are at I just paid Hyundai XXXX THAT WAS MY RENT so I was two months behind and I thought this payment would put me in up to date status. NO COME TO FIND OUT NOTHING WENT TOWARDS MY PRINCIPAL so looking through my account in almost a year XXXX XXXX IS ALL THEY HAVE PUT TOWARDS MY PRINCIPAL! THIS CAR IS NOW ALMOST XXXX XXXX MORE THAN IT WAS 10 MONTHS AGO PLEASE HELP ME I LIVE IN RURAL NEVADA WHERE IT'S NESSASARY TO HAVE A VEHICLE JUST RECOVERING FROM XXXX XXXX AND THIS STORM XXXX NV I WAS OUT WALKING FREEZING BECAUSE I DON'T WANT THEM TO TAKE MY CAR.

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 2023-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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