vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : N/A Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 make any consumer report containing any of the following items of information or 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I reached out to rocket mortgage at the end of XX/XX/XXXX due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/XXXX, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: GA

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 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 Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX 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  Charge Off Item disputed on XX/XX/2023 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 Chapters View

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 2023-03-11 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: Experian Information Solutions Inc.
State: GA

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 Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX & XXXX ( XXXX XXXX XXXX Item disputed on XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX XXXX XXXX XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX XXXX Charge Off XXXX XXXX  XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) Charge Off Item disputed on XX/XX/2023 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 Chapters View

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 2023-03-11 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: FL

Complaint narrative:
I have attempted to make a complaint and the information on the complaint was incorrect as well. I am wanting to correct the name on my report... which is someone else 's name and the reporting agency ( ies ) are attempting to put it on my social security number! 
This has been disputed since XX/XX/XXXX, and here we are in XX/XX/XXXX. 
I do not consent to using my private number with someone else 's name. 

I HAVE CALLED NUMEROUS TIMES AND NOW HAVE RECORDED CALLS AGAINST THESE COMPANIES THAT ARE ATTEMPTING TO ASSUME OWNERSHIP OF THE REPORT AND DO NOT WANT TO CHANGE IT. THE ONLY REPORTING COMPANY BY LAW IS THE CONSUMER FINANCIAL PROTECTION BUREAU AND NOT ANY OTHER BUREAU BY LAW ; SO I DON'T KNOW WHO THESE COMPANIES THINK THEY ARE?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Nelnet, Inc.
State: CA

Complaint narrative:
PRE-SELECTIONS DID NOT MEET CRITERIA FOR PURPOSE OF THIS CORRESPONDENCE. THIS IS DEBT VALIDATION. SEE ATTACHMENT.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I had major Fraud, starting in XX/XX/XXXX. Somehow they got a hold of my XXXX ACCOUNT. Now when I look at my credit report I noticed all these inquiries that I did not apply for. 
XXXX. SYNCB/AMAZON on XX/XX/XXXX XXXX.PAYPAL on XXXX XXXX . XXXX on XX/XX/XXXX XXXX.SYNCB on XX/XX/XXXX XXXXSYNCB/LOWES on XX/XX/XXXX XXXX.SYNCB/AMAZON on XXXX, XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I also never had an address in XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-03-11 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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name 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 2023-03-11 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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files 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 XXXX XXXX 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My only address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Not my addresses : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I disputed a transaction because the merchant advised me to BC they could not refund me without a physical card. They never sent me a physical card. I used XXXX XXXX with my virtual card. The merchant said he wouldnt fight the dispute and would ask them to cancel the transaction. Once I disputed the transaction they said I would receive my provisional credit XX/XX/XXXX. I still havent received my provisional credit. Its not the XXXX and Im going to lose my house. I need my money back. I cant reach anyone and when I do, they say they have escalate the issue and I will be contacted by email momentarily .... its been days and no one has emailed me. I feel like they have stolen my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
I reached out to XXXX XXXX at the end of XX/XX/2023due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/23, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Dear CFPB : I have a HELOC loan with Huntington National Bank. AccountNumber XXXX. Back in XX/XX/2023, Huntington National Nank asked me to provide flood insurance for the property. I called them and uploaded all of the required proof of insurance and the Huntington representative told me that I am fine with the insurance requirement. However, today I just found out my HELOC was charged {$830.00} for insurance that I didn't authorize to pay. I didn't get any notice or warm for this charge.

I tried to call Huntington National and was told the customer service of their HELOC department is not working on the weekend. 

Hope CFPB can help solve this issue on the unauthorized charge. 

Thanks a lot! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
We previosuly filed a complaint with Bank of America -- case # XXXX. XXXX XXXX from the regulatory complaint dept responded. First off ... .XXXX should not be representing any executive response unit if she can not return calls. After receiving response, she did not return 3 phone message that were left for her. Awful customer service and again not a good representation of the company if she can not return phone calls. Secondly, she never addressed the credit INQUIRY on my credit report. I want the hard inquiry removed. Thirdly, when we received the response one of the letters had an address of a letter addressed to XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX. Where did this address come from? Did the perpetrator change it to that? I need answers. Also, XXXX, I told her I placed credit freezes on and she addressed it again. She is just not a good reader or responder. I would like someone else from the company to answer the original request about the INQUIRY and also the subsequent address for which I have never been associated with. 
Respectfully 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 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It was before XXXX when I was shopping for gifts online and found this amazing kitchen set. These were XXXX knives which I always wanted but they had always been expensive. It was a third-party website and all I had to do was to pay only half of the suggested price if I only I signed up for their credit card. It felt innocent to do so just to get this offer and I knew I would pay it off first thing next month and close it off. Weeks past, but I received no set of knives and no credit card from this online store. So, I just forgot about it and moved on. A few weeks ago, my colleague at work mentioned that she always checks her credit and stays on top of it. So, I thought it's not a bad idea to do the same. I went online to check my XXXX and was very curious on some accounts that were opened without my knowledge. So, I decided to list the ones I don't recognize and send them to the national credit bureaus for documenting. Please accept this and make a record of my reporting about these activities.

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 2023-03-11 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 XXXX account listed shows a payment history that is inaccurate. three different payment histories across all three credit bureaus. according to the the law us15 U.S. Code 1681a ( 2 ) - Definitions ; rules of construction reporting of late payments are in fact illegal and I demand that entire payment history be updated to show a 100 percent on time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EQUIFAX there still are inaccurate reporting. EQUIFAX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 

This account below is inaccurate from the... 
OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EQUIFAX HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EQUIFAX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH ) EQUIFAX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : # XXXX XXXX  # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 

Attached is all documents and reports regarding this dispute. 
Original dispute, Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EQUIFAX And Proof of identity

Company response to consumer: Closed with explanation