vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I beg you please remove this from the 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 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
Pursuant to Consumer Protection for Medical Debt Collections Act, Plusfour account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. 

Demand is given to remove from credit file and attorney general report will be filed

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank do not want to close my account due to incorrect password.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
Pursuant to Consumer Protection for Medical Debt Collections Act, XXXX  account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed

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 2024-05-06 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: NV

Complaint narrative:
Pursuant to Consumer Protection for Medical Debt Collections Act, XXXX account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-06 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
General Motors- GS Bank  XXXX I am writing to formally notify you of a discrepancy in my credit report concerning a late transaction dated XX/XX/year>, which appears to contravene the stipulations of 15 USC 1681a ( a ) ( XXXX ) ( A ) ( i ). This law explicitly excludes certain consumer transactions and experiences from being reported in consumer reports and this is not a personal account. As this entry may adversely affect my financial standing, I request an immediate investigation into this matter and, if warranted, the removal of this entry from any and all consumer reports. Please find attached all pertinent documents and correspondence related to this issue. Please confirm receipt of this letter and inform me about the steps you will take to address this discrepancy and provide evidence/ steps via mail certified! I expect a response within 15 days as mandated by law. Thank you for your cooperation and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
The underwriter went over the top with multiplicious requests for the same information. I had to write a letter justifying why I was buying in this city ( provide a birth certificatereally ) to prove I was born in this city. Then, after a fiscal torture our mortgage agent quit out of frustration. We got a new loan officer midstream and a new underwriter and we closed a week later. Then, magically we received a letter from the IRS saying they were going to audit us. This agent, XXXX XXXX, violated and abused us through the underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 explanation
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
Pursuant to Consumer Protection for XXXX  Debt Collections Act, XXXX  account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of XXXX laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed

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 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom mortgage reported a late payment to my credit even though the reason I could not process the payment was because of a technical issue on their website. I was not able to log into my account for over 2 weeks. I called and tried to get help accessing and there methods did not work. I explained I could ONLY pay online due to the account being saved online in the wallet. I had no access to the account and routing number. I explained EVERYTHING. My account was not locked, I had my password, I had access to reset the password and nothing worked to gain access to the account. It was a technical issue on FREEDOM MORTGAGES behalf. I called and nobody could help me. But they refuse to accept any fault. I have NEVER paid late in almost 4 years. This was clearly a technicality and they refuse to rectify the issue. The reps were very rude and accused me of having financial problems. I am disgusted with this company.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
back in XXXX me and my husband nearly lost everything, our real estate investments and our home I had XXXX month left on my lease of the XXXX XXXX and I tried to terminate the lease early but accepted the {$6000.00} they asked for to do so asked for a payment plan and I was denied. Then the XXXX kept adding interest charges to the amount owed and every time I called them to ask for payment options they would say that they want the full price included the added interest charges ... XXXXthey didn't work with me and then in XXXX they got a court judgement against me for the amount of {$17000.00} and now that I am finally working somewhere and hardly make the money to survive they are withholding my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section XXXX states that I have the right to privacy ( 15 USC 1681 section XXXX section XXXX ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CADENCE BANK
State: MS

Complaint narrative:
I went into the Cadence Bank location at : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to open a 'Budget Smart Checking Account. ' Upon being assisted by the Loan Officer who so graciously assisted me with this transaction, I was informed that " I was denied for the checking account, due to an unpaid balance to another institution. '' This was not the decision of that person ( Loan Officer ) but rather that of other staff at that location. 

Per the information that is listed on their website : " https : //cadencebank.com/personal/checking/budget-smart, '' this is the exact reason why this account is offered, with only two exceptions : " Available to everyone with no incidence of conducting fraudulent activity or outstanding money owed to XXXX. '' Neither of the aforementioned conditions applies to myself, that I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I HAVE ATTACHED PROOF FROM XXXX  PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. XXXX, XXXX, TRANSUNION, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA XXXX XXXX. You may be held liable pursuant to title 15 USC 1681o and XXXX XXXX XXXX XXXX. Pursuant to FCRA XXXX and XXXX 15 USC 1681 c-2 I must demand these accounts to be removed within XXXX business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.

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 2024-05-06 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: CA

Complaint narrative:
I HAVE ATTACHED PROOF FROM XXXX PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. XXXX, EQUIFAX, XXXX, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA XXXX XXXX. You may be held liable pursuant to title XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Pursuant to FCRA XXXX and XXXX XXXX XXXX XXXX XXXX I must demand these accounts to be removed within XXXX business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to formally request your assistance with an urgent issue I am facing with my mortgage servicer. I was confirmed as a successor in interest before the mortgage was transferred to the current servicer. Following this transfer, I have encountered significant difficulties in applying for the CalHFA XXXX support program, an essential resource designed to prevent housing instability during these challenging times. 

Specifically, the servicer has repeatedly asked me to resubmit paperwork, thereby hindering the processing of my partial claim. This has not only delayed the reinstatement of my mortgage but also jeopardized my eligibility and access to needed financial support. Since the inception of the XXXX program, I have made continuous efforts to comply with all requirements, yet the servicers errors and delays have created unnecessary obstacles. 

This situation is causing me immense distress and is reflective of broader systemic issues that contribute to homelessness in XXXX. As a widow with limited financial means, I feel that the servicer 's actionsor lack thereofhave disproportionately affected my ability to secure my housing situation. 

I urge your agency to investigate this matter and to facilitate a resolution that will allow me to correct my loan issues promptly and reopen my denied case with XXXX. Your intervention is crucial in preventing potential homelessness and ensuring that the rights and dignity of individuals like myself are upheld. 

Thank you for your attention to this critical matter. I look forward to your prompt response and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
In accordance with the the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 XXXX XXXX states I have the right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : Also states a consumer report in agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2024-05-06 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: TX

Complaint narrative:
In accordance with the the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 XXXX XXXX states I have the right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : Also states a consumer report in agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation