vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX 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 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-15 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My original lender was Sally Mae, after I graduated the economy crashed and there was no support or aid for me. I could not pay and early on my loan accrued {$30000.00} in XXXX year. I was XXXX XXXX XXXX. Of course the school was also at fault and since my XXXX XXXX have finally won a legal case against the department of education for predatory lending associated with our school which has since closed.

I have already refinanced and paid more than my original loan amount but the lender has given no mercy and the claims against my school are unrecognized.

The lender also failed to reveal the original interest accrued by Sally Mae when the loan was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and I recently obtained copies of my credit reports.

Upon reviewing them, I discovered multiple violations committed by your agency. I want to bring to your attention that I am entitled to monetary compensation under FCRA 15 U.S.C.

1681i ( 6 ) - Notice of Results of Reinvestigation. I am writing this letter to inform you of the specific violations that have affected my rights.

I demand that you promptly comply with these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I found XXXX inquiries on my credit report I do not know. I have not done business with either- XXXX XXXX or Comenity BankXXXX. I am cocnerned they have my personal information without my authorization and may use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive asked to have this removed it was paid in full due to a accident but keeps showing up and flagging my account I have sent letters asking for this to be removed thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I got a hard inquiry today and on the XXXX of this month from XXXX XXXX Bank. The address listed was an address in California. I reside in XXXX so this raised some red flags. I have never applied for a XXXX XXXX account. I suspect someone has my personal information trying to open bank accounts, credit cards, ect. in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: AZ

Complaint narrative:
In 2019 we bought a water softener and reverse osmosis system from XXXX and paid for an extra extended service warranty. Since then, they supposedly have gone out of business and transferred our payments to another company with the same name, XXXX. Who claims to not be responsible for the warranties anymore, but only responsible for collecting payment. So they are still charging us for XXXX and telling us there is nothing they can do. Right we need this modified. We need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-04-15 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:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was notified on XX/XX/year> that my account was getting closed and to call them immediately. I called them and they said that they decided to close my account and that it would take XXXX days for me to receive a check in the mail with my funds. I asked multiple times why they were closing my account as nothing had changed and they couldn't tell me. I have a family to provide for and this is my only account. I am about to get evicted and all of my paychecks deposit into that account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is a copy of the letter I sent CFPB on XX/XX/2024, to the address I was told to send it when I called on or about the above-referenced date. 

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Consumer Guide XXXX XXXX : Ally Bank Account Number : XXXX Debit Card : XXXX Fraudulent Charge Dear Sir/Madam : I have been trying to resolve a Fraudulent Charge mode on my Debit Card with Ally Bank XXXX I send a letter to Federal Reserve Consumer Help On XX/XX/2024 and received a email fro them on XX/XX/2024. I wrongly believed that they had forwarded the information to you. 

On XX/XX/2024, I called the CFPB to inquiry about the status of the complaint and spoke to XXXX XXXX XXXX who questioned why they had not forward it to you. 

Therefore, I am sending to you the package I sent to The Federal Reserve Consumer Help. 
The Following items are enclosed : 1. The Dispute Investigation Completed Letter. 
2. A copy of the Certified Mail Receipt for the letter to XXXX XXXX ( The tracking number shows that the letter was delivered on Friday, XXXX XXXX XXXX XXXX XXXX, and left with the individual ). 
3. Letter to XXXX XXXX XXXX. Copy of the U.S. Postal Service Certified Mail receipt.

If you need further information, please get in touch with me. 
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 explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number 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 2024-04-15 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: SC

Complaint narrative:
This company is reporting information to credit bureaus without my permission. I never had this company to pull any of my information for credit. They are reporting a bankruptcy and the bankruptcy courts do not report bankruptcy information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: SC

Complaint narrative:
This company is reporting information to credit bureaus without my permission. I never had this company to pull any of my information for credit. They are reporting a bankruptcy and the bankruptcy courts do not report bankruptcy information.

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 2024-04-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI

Complaint narrative:
Gold Star Mortgage Financial Group Corporation NEVER LOANED ME ANY MONEY TO PURCHASE MY HOME. ( See Banking Statements ). Gold Star has " BREACHED THE ORIGINAL AGREEMENT AND REFINANCE AGREEMENT. 
ORIGINAL MORTGAGE AGREEMENT WAS NOT A CONTRACT, BUT A TRUST AGREEMENT. GOLD STAR MADE IT LOOK LIKE A CONTRACT WHEN IN FACT MY SIGNATURE IS THE ONLY SIGNATURE ON THE AGREEMENT. GOLD STAR MORTGAGE SOLD MY ORIGINAL PROMISSORY NOTE IN XXXX AND ON THE REFINANCE AGREEMENT SOLD THE PROMSSORY NOTE AGAIN FOR XXXX ( See Audit ). 
XXXX XXXX claims to have my " Promissory Note but in fact it's just a " COPY '', NOT THE ORIGINAL, so XXXX XXXX has no right to claim ownership of any NOTE when it was " SOLD '' I asked for proof of any Loan being given to me and Gold Star will NOT RESPOND BACK TO ME WITH ANY ACTUAL PROOF. XXXX XXXX mailed me a bunch of Copies of my Mortgage and NEVER mailed proof of having any Promissory Note. I had a XXXX XXXX performed on my Mortgage from XX/XX/XXXX and found a lot of Violations, missed assignments on the " Note '', the Note and " Deed Splitting, taking XXXX different paths as well as other Violations of S.E.C. T.I.L.A. RESPA, REGULATION Z VIOLATIONS ( See Audit ). 
There was NEVER ANY LOAN, SO HOW IS THERE ANY MORTGAE AGREEMENT? ( See Bank Statements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Reason for Complaint : The issue is concerning the improper allocation of payments on my credit card account, which appears to be in violation of 1026.53 of Regulation Z. This regulation requires that any payments made above the minimum due should be applied first to the balance with the highest annual percentage rate ( APR ). 

Incident Description : My credit card account includes XXXX balances with varying APRs : 1. a Citi Flex Plan balance with an APR of 11.99 % and 2. a promotional balance transfer at 0 % APR. 

The incident occurs in XXXXXXXX XXXX XXXXXXXX for the billing period from XX/XX/XXXX to XX/XX/XXXX. The minimum payment due for the month is {$160.00}. The charges and payments are as follows, according to the official credit card statement : a. XX/XX/XXXX - A payment of {$100.00} is applied to the 0 % APR balance. 
b. XX/XX/XXXX - A payment of {$76.00} is applied to the 0 % APR balance. 
c. XX/XX/XXXX - The 11.99 % APR Citi Flex Plan is applied to my account in the amount of {$1200.00}. 
d. XX/XX/XXXX - A payment of {$1200.00} is applied to the 0 % APR balance. 

Despite making a {$1200.00} payment above the minimum payment required, and despite this payment occurring after the Citi Flex Plan was applied to my account, these additional funds have not been allocated to the higher APR balance first, as mandated by federal law. 

Actions Taken : On XX/XX/XXXX - after noticing the misallocation - I contacted the company 's customer service to rectify this issue. I cited 1026.53 of Regulation Z and asked them to correct the allocation of my payment. The representative forwarded my request to their financial department, which was denied XXXX days later. 

Impact : This misallocation has led to unnecessary interest charges on my account both past and future accumulation of interest on the higher APR balance.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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