vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: MS

Complaint narrative:
Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : 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 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 2023-08-30 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: MS

Complaint narrative:
Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : 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 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I received my monthly statement and when I looked at the statement, I noticed that the amount was more than what I usually pay monthly. My monthly recurring bill is {$53.00} but it went to {$250.00}. I have called the company numerous of times trying to get this issue resolved but they keep telling me they are still investigating the issue. I also noticed that the remaining balance amount and the statement balance do not match. This is not the first time I had an issue with this company. I had to file complaint against them a few months ago due to the not reporting the correct information on my credit report and stating I owe amount that was incorrect. The case number for that complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage took {$24000.00} from Louisiana HAF as well as gave me a loan modification even though I asked them not to file the loan modification. Louisiana HAF money came first. They never returned the money to Louisiana. Also, they did not reflect my loan modification on any documents. My payment went back the same. 

When selling my house I was made aware of the loan modification had gone through. I called freedom mortgage. It has been a month, and none of the investigation have been taken care of. I have now had to pay close to {$40000.00} to get out of my home.

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 2023-08-30 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: MS

Complaint narrative:
Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a Discover Credit card account and because I complained about their horrible customer service. I was retaliated against and the pur my account in protected service. Now they are asking me to send a picture of me through a link of my cell phone. This is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/ I made a written request to have PMI removed from my mortgage as required by the Homeowners Protection Act. On XX/XX/XXXX  I called Truist to check on the status of my request since there had been no update on my request. The customer service representative I spoke to told me a letter had been sent on XX/XX/XXXX  ( attached ). I did not receive this letter until XX/XX/XXXX. The representative read the letter and informed me that my request had been denied because my home was a second home and my loan to value ratio ( LTV ) needed to be less than what my current LTV was. She would or could not elaborate on why my home was considered a second home, which it is not. This caused a panicked response by me and I immediately called XXXX XXXX  and my homeowners insurance to figure out why this was being reported as a second home. Nobody I spoke to at XXXX XXXX or my insurance agency could see that this was a second home. I then called Truist again for more information. I was told by the second representative ( XXXX ) that I was not at the required 80 % LTV when I made my request and that I should make the request again. This was false information. I called a third time and spoke with a different representative over concerns that I would not be able to make the payment for a Brokers Price Option ( BPO ) in time since the letter dated XX/XX/XXXX said I had 30 days from the date of the letter to make the payment via check before I had to start the request over. I informed Truist that I did not have a checkbook and in no way would make their deadline after receiving their letter 10 days into the deadline. The truist representative said I could make the payment via my escrow account. On XX/XX/XXXX, I made my regular mortgage payment with an additional {$190.00} escrow payment for the BPO. I then called Truist to verify that this would be earmarked for the BPO payment. I was then told that this would not be accepted and that I needed to send a check. I have now been provided false information by Truist four times in regards to the PMI removal process.

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 2023-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!

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 2023-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques
State: CA

Complaint narrative:
I moved away from where I used to live. I had no idea that this bank was going to sue me. How was I suppose to defend myself if I never received a letter to appear in court. Now nearly 5-6 years of thinking I would get a call or letter from a debt collector to settle a deal with them not only do I not receive any information from the bank nor its collectors but I start getting a portion of my checks taken away. I am looking for advise on what I should do because I feel so blindsided by all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: 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. 

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX of XXXX  I opened a savings account with Citibank over the phone, they representative inputted an incorrect address causing them to be unable to verify my address. Id already deposited {$5500.00} when they decided to close my account. 
Despite me sending multiple documents to prove my correct address, they kept send the balance of my accounts to the wrong address. Eventually they were able to send it to the right address, but they did not send the entire balance. 
I am still owed {$500.00}, after months of calling and being told to call back, I still have not received the rest of my money.

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 monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have been facing ongoing issues with Toyota Financial Services regarding discrepancies in my credit report and their failure to provide essential documents relating to my account. Below are the specifics : Credit Report Discrepancies : I identified several inconsistencies on my credit reports from XXXX, XXXX, and XXXX. The discrepancies include : Lack of data for XXXX XXXX. 
Incorrect payment reporting sequence for XXXX XXXX XXXX 
Data gap for XXXX XXXX. 
Double repossession reporting for XXXX XXXX. 

Failure to Provide Requested Documentation : Toyota Financial Services has not provided me with the necessary documents related to my account and repossession, despite multiple requests. I have specifically asked for : Sale amount post-repossession. 
Information concerning insurance claims related to the repossession. 
Debt verification as per the Fair Debt Collection Practices Act and the Pennsylvania Fair Credit Extension Uniformity Act. 

In my pursuit for clarity and resolution, I have sent two formal letters to Toyota Financial Services detailing my concerns and requesting specific information. I will attach the Return Receipt PDFs for both letters in this complaint for your reference. In response, I've received letters from Toyota Financial Services that I perceive as " stall tactics. '' Their correspondence claims that I did not provide sufficient information for them to conduct an investigation, which is patently false as I meticulously detailed my concerns in both letters. 

Additionally, I've also attempted to resolve these issues over the phone but found them to be unhelpful, with no progress made. 

I believe Toyota Financial Services is deliberately stalling and avoiding their obligation to conduct a legitimate investigation into the matters I have raised. They are refusing to provide me with the essential documents that I am legally entitled to in order to verify the amount and the validity of the debt they allege against me. Their lack of transparency and responsiveness feels evasive, hindering my ability to address the inaccuracies and understand the alleged debt 's breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I've come across an entry on my credit report from PENN CREDIT CORP that appears to be inaccurately reported. It's important to note that I was not associated with PENN CREDIT CORP during the timeframe mentioned, which is from XXXX. Additionally, the specified debt amount of {$1000.00} is not familiar to me. I believe there might be a mistake or confusion, as I was not residing at the stated location during the mentioned period and have no records of incurring such a debt. I kindly request a comprehensive investigation into this matter and a prompt correction of this erroneous information on my credit report to ensure its accuracy and fairness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: OH

Complaint narrative:
I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. Transunion responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.

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 2023-08-30 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: OH

Complaint narrative:
I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. XXXX responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 

XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I have attached below all the following letters and documentation that has been sent to Experian showing how they have violated my rights and are reporting inaccurate/ incomplete information. 

XXXX Mail Receipts : 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 Account # XXXX needs to be deleted immediately.

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 2023-08-30 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: GA

Complaint narrative:
Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.

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 2023-08-30 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: 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. 

has violated my rights. Or list of inquiries 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 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Recently, I was reviewing my credit report and noticed there was some inaccurate and incorrect information on my credit report. 

XXXX, XXXX has placed a collection on my credit report that does not belong to me, XXXX XXXX. 

According to 15 USC 1651, accurate and correction information must be placed on my credit report as well as a right to privacy

Company response to consumer: Closed with explanation