vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: OK

Complaint narrative:
We purchased a primary home with a loan through united wholesale mortgage. No issues until recently. They have been charging us for a full tax escrow which is no issue. However taxes are due in full by XX/XX/XXXX. United wholesale didn't pull the taxes to be paid out of our escrow account and I have been calling and asking why for XXXX weeks now. They have given me XXXX different completion dates. XXXX was XX/XX/XXXX. XXXX was XX/XX/XXXX. Third they recently said XX/XX/XXXX. Most recently I had a long talk with a representative said taxes will be paid and fixed by XX/XX/XXXX. Today is XX/XX/XXXX I called and Talked to a rep who stated it was sent to their internal tax payment department and they dont know when it'll be paid. So here we are getting more fees against our house and our property is being put in jeporady because these people cant figure out how to pay the tax bill. Im sick of every rep lying to me and giving me a false date and no one knows when it'll be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank falsified information in my last complaint, they said they did not have an account open for me past XXXX when they did have an account for me as late as XXXX because they froze my account in XX/XX/XXXX and violated my XXXX by holding on to my funds for at least XXXX  days before sending the balance to their corporate offices to send me a check closing out my account. I feel like I was being retaliated against because I sued them for violating my FDIC in XX/XX/XXXX. May I add, I have not received the settlement check for XXXX XXXX dollars that was erroneously sent to an attorney XXXX XXXX XXXX whom I never signed a contract with because he was not a Federal attorney at that time. I've been patiently waiting for XXXX years and even filed fraud charges in XXXX XXXX XXXX and filed a complaint with Bank XXXX XXXX where he deposited a XXXX party check having someone forge my name. XXXX XXXX XXXX what's Chase Bank to start an investigation with them. Thank you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I called customer service XXXX and asked why my Comenity store card for XXXX XXXX card was deactivated when I paid the account full and last payment was XX/XX/year>. I received no letter or email stating that my card was deactivated for no usage activity. I have had this card for several years and never had a problem and always paid my balance when recieved. 

I was at the store about to pay for jeans and the store clerk from the XXXX, IL store said my card was deactivated and I need to call customer service to get it reinstated. I talked to customer service and they were no help and then I talked to a supervisor and they said they can not reactivate my XXXX  card for XXXX days. I told them this was not authorized and they can not just deactivate your card from no activity since XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. This has been occurring ever since XXXX. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Couldnt provide documentation, account is innocent inaccurate please delete proof in pdf conversation with 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 2024-01-19 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:
My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2024-01-19 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Sincerly 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 explanation
Consumer complaint received 2024-01-19 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:
Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as TransUnion LLC, must carry out their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, I am empowered by 15 USC 6801, which declares Congress 's policy that financial institutions, including entities furnishing information to credit agencies, have a continuous obligation to uphold customer privacy and protect nonpublic personal information.

Referring to 15 USC 1681 section 604a ( 2 ), it is explicitly stated that consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the concerned consumer. I want to make it clear that Transunion LLC and the entity furnishing information to credit agencies do not have my consent, be it verbal, non-verbal, written, implied, or otherwise, to share my information. This revocation of consent is based on 15 USC 6802 ( b ) ( c ), which requires financial institutions to inform consumers of their right to exercise nondisclosure optionsa step not taken in my case.

Furthermore, the reporting of adverse information without my permission, as per 15 USC 1681C ( a ) ( 5 ), is in direct violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and TransUnion are evidently not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e.

In accordance with 12 CFR 1016.7, I am hereby exercising my right to opt out of your reporting services. It is imperative that my privacy rights are respected, and I expect compliance with the relevant statutes and regulations outlined above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
My name is XXXX XXXX and XXXX. On XX/XX/2023, the collector from car hop XXXX XXXX nagged me that force me pay. It is a prepay avoid late. I told him that give me more time to get enough fund to pay car payment. He was abusive vocally via E mail. I told him that I was on the medicine and health issue since lost work. I told him that wait until get my XXXX check on XXXX than he misunderstood what I say. He did not care then had reposed my XXXX without warning notice by E mail. Only next day I get my SS check. He mixed up the story to me. It was not bad more than 30 days. Ruin my budget and had paid part of rental payment. I had to paid repo fee for {$400.00} plus and past due car payment of {$300.00} on XXXX. Then return my car back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I left medicines in the glovebox. XXXX XXXX XXXX XXXX XXXX. he did not care what I say. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collector continued nagged me and when I can pay due. he said that it is not pass 30 days yet it was only 25 days. He said more than 46 past due. he cant figure out then told me that sorry his mistake to make correct then was repossed my car again on XX/XX/XXXX without give me warning notice. I had to paid fees again. I dont feel well .... I looked the contract that said disclouse statement and agreement for installation of starter interrupt and GPS device. It suppose to be giving me 5 days warning before starter interrrupt become disable until I pay but never make it. I told them that they owe me {$1000.00} without warning notice. Twice repo fees plus police report fee and paid friend for gas to pick up my car in XXXX. I spoke XXXX XXXX  coworker about starter interrupt suppose to be giving me a notice of warning. They said that no more warning notice and had been stopped XXXX years ago. Why they did not tell me that give me a notice something change update I signed up the contract of disclosure statement and agreement for installation starter interrupt They should let me know cancelation contact and get a new update about repossession issue update. I ask them that skip 3 months of payments of $ XXXX or give me credit. They wont listen me that following contract says .... and demand payments now I wont pay {$300.00} if not I go to small claim court soon because the contract is vaild without warning 5 days before disable starter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX a Notice of Dispute was delivered to EXPERIAN INFORMATION SOLUTIONS requesting them to reinvestigation inaccurate information that I have been seeing in my consumer disclosure reports. EXPERIAN INFORMATION SOLUTIONS has been holding my Notice of Dispute letter with no status, updates, or sign to reinvestigate the inaccuracies I have brought to their attention for 16 days now. I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( a ) of the FCRA. I am aware that consumer reporting agencies are required to reinvestigate consumer reports in a timely manner otherwise, it would be a violation of the Fair Credit Reporting Act 15 USC 1681 leaving consumer reporting agencies liable per 15 USC 1681n Civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
i sent over a dispute and they didnt respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Payment documentation, reopen account dates on account wrong Inaccurate information reporting conversation with creditors email in pdf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently obtained a copy of my credit report and noticed an error in my personal information. My correct name XXXX XXXX, but the credit report currently lists it as 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 explanation
Consumer complaint received 2024-01-19 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
My identity was compromise. Several charge accounts loans was attempted to open under my name, Social Security number and drivers license. Some of them were successful and some of them would not. Ive been trying to get those account resolved by filing a police report and contacted the creditors to investigate into contact the credit bureaus to remove those fraudulent accounts that they are reporting, but nothing has been done but instead I keep getting harassed by the collectors about money I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm eager to start a new chapter in my life, but this unknown account is preventing me from doing so. I implore the company to eliminate it promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On going issue with all 3 credit reporting agencies I feel discriminated upon targeted to stay stagnated. I have reported and frozen and alerted my credit XXXX of fraud and experian even breached my information. I have a supposed credit monitoring added to help but nothing has helped or been done I have disputed my soft inquiries and hard and most remain I mean one company is reported on my soft inquiries at the least 25 times to keep my score down. I have already explained that after my no which is also reported wrong it states I claimed no because of business failure which is incorrect and they know this and still report it. An account which was prepaid and never late is being reported as negative and I have reported this for years and still there and disputed the inconsistencies of wrong amounts reported negative and still reporting. I want a federal investigation as to how I and am sure many others are being oppressed by these reports and misinformation I would like it removed and rescored immediate action taken I only keep receiving letters for me to verify my information when I have asked them to verify with each company to provide the proof given to them to be able to even run my credit when I know no identity information proof was given because I havent applied for anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation