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

Complaint narrative:
On XX/XX/2023, XXXX XXXX, and Experian reported adverse information on my credit report without authorization, from the following financial institutions : XXXX. XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXXXXXX XXXX XXXX ( CLOSED XXXX ) 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX  ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX  ( CLOSED XXXX ) In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to XXXX, XXXX, or Experian or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.

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 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have 2 houses and I use this one mortgage company for both houses, I have auto pay for both houses. I got a call from the mortgage co. saying they did not receive payment for the month of XXXX and I should make the payment to keep from making a late payment that would cause us to have to charge you a late fee so I when on and make the payment by phone while I was talking to her on the phone.

Just last night I took a look at my credit score just to see how I was doing and I notice my score drop by XXXX points for non payment to this company. So I call my bank and they told me the payment was make I look up the mortgage company online and to my surprise the payment was make into the other account, so I spoke with there representative and they say they see the money there but it's nothing they can do being that I gave them the money and that they want me to make another payment for XXXX and XXXX to bring that account up to date and it's nothing they can do to repair the damage they did they say if it was done by them then they can fix it, so I ask if I would come into your office and over pay you you would not tell me that I gave you to much and you would just keep my money as you are doing now. the first payment was on XX/XX/XXXX to one account and the other on XX/XX/XXXX that was for to be pay into the account that need to be pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have two fraudulent accounts and three inquiries On my credit report. 
Accounts 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 2023-08-08 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: GA

Complaint narrative:
I have two fraudulent accounts and three inquiries On my credit report. 
Accounts XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00} Inquiries XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I received a prepaid debit card from XXXX XXXX for an overpayment to XXXX XXXX for {$38.00}. I tried to activate the card via their XXXX number, website XXXXXXXX and app XXXX XXXX XXXX XXXX. The phone number is a dead number, the website is a deadlink and the app doesn't work either. I then tried to call the customer service number XXXX listed on the back of the card. It too is a dead number. Now I have no way to activate the card and recover my money. In the meantime there is a $ XXXX monthly service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANCO POPULAR DE PUERTO RICO
State: AZ

Complaint narrative:
On XX/XX/XXXX, I opened a savings account with Popular Direct Bank. On XX/XX/XXXX the {$500000.00} funds were taken from my XXXX checking account. On XX/XX/XXXX, we were able to log in to our online account and view a statement showing the amount had been deposited into the savings account, and as of XX/XX/XXXX, we had accumulated approximately {$67.00} in interest. 

Also on XX/XX/XXXX, we were able to open a {$100000.00} CD. That money was taken from our XXXX checking account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a letter in the mail dated XX/XX/XXXX stating that our savings account had been closed pursuant to the terms and conditions of the XXXX, and that the account balance is currently {$0.00}. 

I am locked out of our online account, and can not find out where my money is. I have been trying to get some answers from Popular Direct, and have been told nothing, except that " due to security reasons, they can not tell me why they closed my accounts. 

Today is XX/XX/XXXX, and I spoke to someone at Popular Direct. He told me that my CD has also been closed, and that my money will be transferred back into my XXXX account XX/XX/XXXX. He also informed me that I will not be earning any interest on my {$600000.00} in total during the time that they have it because my accounts have been closed. 

So, Popular Direct closed my accounts for no reason with no explanation, holds my {$600000.00} for 2 weeks, and I get no interest? Nothing? Is this even legal? In what world does it take 14 days to wire or ACH money from one bank to another? I want compensation for Popular Direct borrowing my money for their own gain. 

Background : We had a {$950000.00} 6 month CD at Popular Direct XXXX XXXX XXXX XXXX. We cashed it in, received our principal and interest, and used some of that money to open this savings and CD account. We thought they were a reputable bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed up for the credit card Chase Freedom unlimited after receiving a promo offer in the mail It had promised " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. *Same page link to Offer Details Plus, earn 5 % cash back on combined gas station and grocery store purchases ( excluding XXXX and XXXX XXXX *Same page link to Offer Details on up to {$12000.00} spent in the first year. * '' XXXX XXXX XXXX I signed up and fulfilled all the requirements I received no bonus and was informed after escalating the matter to the manager that i was not entitled to the {$200.00} and all i would receive was 1.5 % cash back This was a bait and switch, i would have never signed up for the credit card if i wasnt misled in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; My only address is XXXX XXXX XXXX XXXX, XXXX Colorado XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You 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 2023-08-08 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: Self Financial Inc.
State: MI

Complaint narrative:
I was late on a payment during covid ... as the world was in a pandemic and not working and being in a lock down I was unable to make a on time payment. you will see that my account was only late XX/XX/2020 self lender account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Misrepresentation has been committed on the consumer credit file of XXXX  XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.

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 2023-08-08 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:
Dear Experian, In accordance with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C. 1681 section 602 states, I have a right to privacy. 

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.. 

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights. 

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what is an initial late {$310.00} fee and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor XXXX XXXX XXXX to try to collect the initial late fee late {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear. 

Please Permanently delete it from my credit report because this account has fraudulent charges being reported that do not belong to me. The law is clear and well establish. Under 15 U.S.C. 1681 section 602 states, I have a right to privacy and Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.

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 2023-08-08 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: Guild Holdings Company
State: GA

Complaint narrative:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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

XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX XXXX of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

XXXX account from Unknown with account # XXXX and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My card gives points for various useages as gas purchases, dining, grocery stores, and other. It also gives points for XXXX maintenance fees and XXXX loan fees. Every month for the past six or seven months I have to call and ask for the points to be awarded for the loan fee. On XX/XX/XXXX XXXX Bank replied they could not help me at this time- they are the credit card bank. I called and get switched from one customer representative to another and am told someone will get back to me in 24 to 48 hours. I either get no call or someone that is looking into it. On XX/XX/XXXX they did not give me points for my loan payment ( XXXX points should have been awarded ) On XX/XX/XXXX again they did not give me my points for my loan payment ( XXXX points should have been awarded ). On XX/XX/XXXX shorted me XXXX points. I have battled them since XXXX on this same problem with no resolution. They shorted me on points in XXXX as well. I moved my loan payment to another credit card for a few months in hopes they would fix the problem after I was assured they would. But no resolution. There statements of how points are awarded as very clear that XXXX points per dollar for XXXX maintenance points and loan payments.

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 2023-08-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.

1. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of XXXX : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed multiple complaints against XXXX and Equifax for failing to abide by the fair credit reporting act. I jave uploaded proof to show they have lied. Now they have locked me out of my accounts. XXXX has locked me out of my account, so I can no longer monitor my credit report or score. Equifax has locked me out of my account so I can no longer monitor my credit report or score. They have done this out of retaliation. I call them and the system won't connect me with anyone and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation