vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: IL

Complaint narrative:
Reporting agencies improperly used my personal business without my consent. Transunion, XXXX and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.

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 2023-09-15 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: TX

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP claims that I owe a debt to XXXX XXXX, which has already been paid, to the account. 

The account has been closed, and the debt has been settled with the original debtor. I kindly request that they cease sending me mail regarding a debt that has been fully satisfied. Additionally, I would like to receive proof of their status as the original debtor and request that my personal information no longer be sold to other companies for the purpose of pursuing a debt that does not belong to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 I made a payment for the total balance amount of my capitol one card. 

XX/XX/2023 i called to make sure the payment would go through, or make an alternative payment method I was told to call back on XX/XX/XXXX to make the payment and my card would not be closed. 
I called back on XX/XX/XXXX to make payment and my card was closed due to it being the second charge back. 

I told the company that the first charge back was due to a fraud attempt. They said there was a chance to open my account back up but there has been no attempt yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax needs to remove these identity theft inquires. I provided proof from company I have business with reporting a data breach where my information was stolen. Equifax has done an investigation and AGREED with me that these accounts should be removed. To this date they still have not been removed. These inquiries are : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financing still has a XXXX XXXX XXXX balance owed that needs to be closed out. 
I am requesting written confirmation that this has been closed as it violates FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: CA

Complaint narrative:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed 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 2023-09-15 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: EQUIFAX, INC.
State: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-09-15 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2023 my debit card was charged {$380.00} for XXXX 
I called XXXX and was provided proof another person bought tickets and used my email address which was hacked into. I called my bank to dispute the charge and provided proof of the name of the person who bought the tickets. Huntington has not provided a credit. They have actually said the company was authorized to charge my bank card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
I notified Experian and XXXX on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both Experian and XXXX to block and delete this account from my credit report within 4 business days. Experian and XXXX are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. Experian and XXXX are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.

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 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Due to inflation after Covid I asked for late fees to be removed from my account and inquired on what I could do to lower my monthly payment. They said they had no available options but the would look into the late fees but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent the letter to XXXX on the XXXX XXXX  XXXX, 2023 The reason I sent the letter was that XXXX verified my accounts and said everything was complete and accurate. So On XX/XX/2023, I sent a letter to XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX. I requested a full description of how they verified my accounts according to 15 USC 1681i ( 7 ) and they were suppose to provide this within 15 days. I havent received nothing from XXXX. I also noticed they didnt modify or update anything according to 15 USC 1681i ( 5 ). I compared reports and nothing everything is still inaccurate. This doesnt make any sense to me. I am very frustrated Why is XXXX lying?? How can I trust not them? They didnt reinvestigate my accounts. They said everything was modified and updated. I have proof they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a XXXX store card held by Comenity Bank. 

I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card. 

I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit. 

After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute. 

In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-09-15 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: LA

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.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on XXXX from Direct Loans. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. XXXX has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. 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 explanation
Consumer complaint received 2023-09-15 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: IL

Complaint narrative:
Reporting agencies improperly used my personal business without my consent. XXXX, XXXX and Experian. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.

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 2023-09-15 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: FL

Complaint narrative:
I notified XXXX and TransUnion on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both XXXX and TransUnion to block and delete this account from my credit report within 4 business days. XXXX and TransUnion are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. XXXX and TransUnion are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.

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 2023-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I mailed my mortgage payment check for my XXXX payment ( due by the XXXX ). On XX/XX/XXXX, I received a call from a XXXX XXXX XXXX  ( not PennyMac ). This made me call PennyMac. They demanded an over-the-phone payment and threated debt collector again, so I made my second mortgage payment for the month of XXXX. 
On XX/XX/XXXX, five days after permitting an e-payment, I made my XXXX mortgage payment. THEN, on XXXX, they CASHED the check I mailed on XX/XX/XXXX. Now they have been paid twice for XXXX, AND I have sent payment for XXXX ... which they could receive and cash very shortly. So I called PennyMac again. I spoke with an agent AT LENGTH, and they finally acquiesced to return my money. I requested that this be returned electronically so funds would be immediately available, especially since my XXXX mortgage check could be cashed at any moment. I was told that he " expedited '' the fund reimbursement and that I should have my money within 3-5 business days. 
On XXXX I call to follow up as I have not received an e-bursement, and I don't trust them. At this LONG call... .I finally get a supervisor, and discover that they MAILED a physical check that should be there in a few days. This is unacceptable, I need my money back before my other bills are due and they inevitably cash my XXXX check. Then I'm told that NOW I will have an e-bursement to my account in 24-48 hours, that they cancelled the physical check, and the same supervisor says he will call in 48 hours to verify that I have my money. 
XX/XX/XXXX : by XXXX, no call and no money..so I call them. After yet another lengthy phone call, it is discovered that the e-bursement was DENIED. Fortunately ( I hope ), they did not cancel the physical check. So ... at XXXX I did a mobile check deposit, that still hasn't cleared ( naturally ), so I'm now late on my mid-month bills... .IF the check does clear. 

Clearly they have a processing problem, as well as a customer communication issue. They held my money for XXXX WEEKS unethically. No one should have to work this hard to get their own money back when a mortgage company has made an error by creating lengthy processing of mortgage payments, then extorting money from the customer, then holding that money XXXX.

Company response to consumer: Closed with explanation