vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquires that I did not authorize. I have called Transunion and XXXX to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : XXXX XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Automobile Dealers , Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Transunion- XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Finance/Personal XX/XX/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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2022 someone transferred XXXX dollars from a new USAA checking account to an old USAA checking account. The XXXX XXXX transfer was unauthorized. I created a new USAA checking account after a so-called " spoof '' attempt that occurred on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

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 2022-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have called numerous times, most recently XX/XX/XXXX and XX/XX/XXXX. I am on hold for hours, and often the call is disconnected. On XX/XX/XXXX I was able to get through, only to be told I was on the incorrect line and needed to be connected to loan forgiveness. I was disconnected, called again, finally got through to loan forgiveness and was told, without explanation that my XXXX and XXXX employment certification forms have not been processed. No time estimate, no next steps. Just that it can take weeks or months. 

I have made XXXX qualifying payments as of XX/XX/XXXX, but am not eligible for forgiveness yet because they have not re-certified my employment ( same employer for past 10 years ). I do not want to make additional payments simply because they have not decertified my employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with Experian ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( XXXX  ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with Experian, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my FICO score.. This is way the Dispute.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian reduced credit score XXXX points for opening a new unsecured installed loan other credit agencies only reduced score by a few points

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please Please Please Help Me I have submitted dispute letters to trans union asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX there address and phone contact. Trans union responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Trans Union is referring to. AND WHY IS TRANSUNION BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT TRANS UNION IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' TransUnion SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET TRANSUNION TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS TRANSUNION..PLEASE HELP

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 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. 

FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. 

FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: AZ

Complaint narrative:
XXXX XXXX. loan with more than 20 % down still charging me PMI. they stated i needed to wait 2 years. Waited the 2 years to take off PMI ; XXXX of XXXX send to their PMI department via email : appraises from a licensed AZ XXXX. We actually did XXXX and when doing a XXXX  home a number from inside the home has to be on appraisal and their XXXX they XXXX new build -- hired never ever went by the home or step inside. their XXXX gave comps from other side of town that has nothing to do with our home comps in our general area. Union Home Mortgage told me to appeal the appraisal with XXXX and he would not correct information. The homes in our area were smaller going for $ XXXX in XXXX he gave comps $ XXXX ; Fast forward : We have been asking mortgage company since XXXX to take off PMI. They have been escalating calls to PMI department since XXXX. No response back. Our last Licensed appraisal we received and forwarded via XXXX XX/XX/XXXX to : ( XXXX ) XXXX value $ XXXX we owe as of today {$130000.00} They said they started processing XX/XX/XXXX. But they have per themselves 30 days to process, were in XXXX now. Please help resolve this problem. Thank you in advance.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized Amex inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with Transunion on XX/XX/XXXX and XXXX XXXX LIED to Transunion stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to transunion that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with transunion on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and XXXX XXXX LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with Equifax on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with Equifax and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act US Bankruptcy XXXX XXXX XXXX TX XXXX # XXXX, have Violated My Rights.

15 U.S.C. 1681 Section 602 A states that I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions

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