vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: MI

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 XXXX account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX - XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX, ACCOUNT NUMBER 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 non-monetary relief
Consumer complaint received 2023-05-30 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: MI

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 XXXX account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX - XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX, ACCOUNT NUMBER 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 explanation
Consumer complaint received 2023-05-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Transunion, I received a letter via mail from XXXX XXXX XXXX stating that I owe XXXX dollars to settle the account. They also stated that they have previously verified and validated this debt and will not continue to validate or verify. Sending me a letter saying its verified is not concrete evidence as I demand original contract with my wet ink signature the contract that I have with XXXX XXXX regarding this debt. If they are unable to produce this information to Transunion and also me via mail the account should be removed from the credit report immediately.XXXX XXXX has also violated 15 USC1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The paperwork XXXX XXXX  XXXX sent clearly states this is communication from a debt collector. I will upload the evidence stating my claim. I have never gave XXXX XXXX written expression to contact me about this debt. The said account of XXXX be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
AES is relentless in not negotiating with students regarding repayment options. I tried negotiating a payment schedule back in 2014 when I had a medical crisis and could barely make payments. The only option AES gave was one-half monthly payments and no interest negotiation. There are two small loans of {$3000.00} ( {$6000.00} total ) each that has ballooned to {$12000.00}. During this same time period, I was able to negotiate interest rate reduction with Navient in which I had been paying off along with AES -- no missed payments. I was able to pay Navient in full once the interest was removed. AES will not budge and states the only forgiveness will be upon death. Also, I can not consolidate this loan into my federal loan consolidation/borrower 's defense claim. Something needs to be done where this interest rate is reduced -- this is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/2023 I was re-debited for purchases I made at XXXX and XXXX XXXX XXXX XXXX  that went through at the time I used my card. Those purchases were made between XXXX and XXXX. I contacted cashapp immediately and was told by someone in support a technical error occurred between XX/XX/2023 and XX/XX/2023. They said merchants during that time that I used cashapp card with successfully received payment but funds were not deducted from my account. As a result, my account balance was temporarily higher than it should have been because my payment to the merchant did not decrease my account balance. 

There was no warning, no email sent out, no notification sent or posted in my account. They just started quickly and randomly deducting money out of my account in a very suspicious manner. Suspicious because they could not provide a total amount that was owed, no proof, their deductions do not even show up online or in any of my statements. 
They have so far made 4 deductions very quickly and not left any trail that they did so. The only trail was a brief notification on my phone and once that is opened it's gone. I have spoken with them repeatedly and have gotten no were. They finally sent me a statement that's different than the official statement that they send to my account to back up their claim. They won't let me speak to a supervisor and they won't tell me in total whats owed or how many deductions to expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

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 2023-05-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have sent out multiple validation letters to XXXX XXXX have not heard anything back then they call and harass even after telling them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Late last year I noticed some incorrect information on my credit report. I took the time to contact the Credit reporting agencies to correct all misinformation but to no avail did that happen. I was notified to contact the company of Lexis Nexis to correct any and all instances of misinformed data that they were providing. I contacted Lexis Nexis approximately 3 times to rectify the situation and not once did they do all that was instructed of them. Their " investigation '' was not correct. I asked them to remove all names, addresses, phone numbers, and emails not associated to me. On my second request I received a report dated XX/XX/2023 in which my report went from 96 incorrect names and addresses that was on their XX/XX/2023 report to 20 incorrect names and addresses. They still had not removed all of the wrong information. I then sent them a dispute stated that my information was still incorrect. I received a report dated XX/XX/2023, and it shows they added 25 incorrect names and addresses. I'm reaching out today to ask the CFPB to uphold 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 ) 2 : ... states a consumer reporting agency can not furnish an account without my written instructions.

I have repeatedly asked that this information be updated but in no way shape or form has anything happened the way I asked. I also have opted out of all the secondary credit furnishing companies including Lexis Nexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received an alert e-mail from my bank on Sunday XX/XX/2023 stating a lender checked my credit report AND verified my identity. After accessed into my bank 's mobile app, I found info on the lender and called Monday XX/XX/2023. To my surprise and relief a rep answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation. She also informed me it was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. My complaint is with the person/people who attempted to use my info to get a credit card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed.

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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello, This is the second time we have turned in a vehicle to Hyundai and had issues. This time, first we got a letter saying we turned in our vehicle early and therefore it was going to auction and we would be responsible for the difference which likely was going to be $ XXXX. Was absolutely not correct. Next we were told there was damage to the car and that we owed them money. I have a long video of me walking around the car in detail at the dealership due concerns over past issues. I also paid for the damage insurance and had the car serviced at the dealership less than a month before turn in when it received a clean bill of health. The images used to show the damage, never showed the whole car to validate it was my vehicle, which it could not have been as mine was not damaged. They also want to charge me for not getting a new car, which I did and financed thru them. When I try and tell them that, they just seem to ignore the comment. I keep getting a bill for {$850.00}. I have excellent credit and have had for years. All payments are made autopay as is for my new car. I love Hyundai cars, but HMFUSA is a just a joke. 

I talked to them on the phone numerous times and finally said I wanted to go to arbitration which was in accordance with a document they made me sign when I got the lease. All issues would go to arbitration. I said that I wanted arbitration verbally on three different calls which I was told were being recorded, sent them two registered letters and still it has not happened and now the debt is on my credit report. 

I see they were fined just last year for bad behavior and I think they should be fined again. They are abusing their position and need to get their house in order or continue to face fines and penalty payouts until they do.

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 2023-05-30 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: IN

Complaint narrative:
Please remove this inaccurate account!

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 2023-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XX/XX/XXXX, I selected Rocket Mortgage to process my loan based solely on XXXX percent of the loan that would be credited toward closing as advertised on their website. This was confirmed by my XXXX XXXX XXXX XXXX. I followed all the rules ; and I used a subpar Rocket Mortgage-authorized realtor per the requirements of the promotion. 

When I found a home, I thought the hard part was overthat was when Rocket Mortgage 's loan process became the main character. The representatives and the system supporting the loan progress were excellent for most of the process. My primary contact XXXX was professional and would reach out to me anytime she had a question, and all issues seemed to be quickly resolved. I felt the process was working until I finally got my pre-closing document and noticed that the 1.5 percent from Rocket was not listed. XXXX told me it would be on the final document. The closing document came, and it still wasn't listed. I was then told I " got a better deal '' ; the credit was used to buy down the loan. No points were listed in the closing agreement, and XXXX XXXX, when I locked the rate, there were XXXX points. I reviewed the document, and saw no points, or a decrease in the cost of the loan, and again pointed out that it was not the agreement. 

I was passed around only to find out that no one could tell me where the 1.5 percent was credited in the process, but all resources at Rocket insisted that I got a better deal.

A better deal can be explained, and NO one could do that. A better deal should be agreed upon, and until the last minute, no one told me that Rocket was not going to honor its promotion. I have no choice but to sign the loan because this was communicated within three days of closing, and I would need more time to get a new loan with another funder. 

This was a Bait and Switch, plain and simple. 

Rocket Mortgage should fulfill its commitment and refund the 1.5 % of the loan amount since it was not credited to closing as agreed upon to reverse this bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Opened new account XX/XX/2023 at Regions Bank. 

Went to deposit my payroll check of {$1000.00} on XX/XX/2023. Funds were not available upon despoiling, I called the branch and was told it would be available after midnight the following day. None of this was told to me while in the drive thru of depositing. Later that day, the mobile banking application showed funds were being held for 2 weeks and my funds would not be available until XX/XX/2023. Received a email stating they were holding my funds due to my account being repeatedly overdrawn for 6 plus months and my account wasnt even a month old and it was never in a negative balance. I called the XXXX telephone number and was told to contact the branch to get this hold released. I have made several attempts to speak with the bank and branch manager to get this resolved and they have all be very inconsiderate and rude. They have made none of my funds available, they refuse to release the hold because they state they cant lose their job if the check is no good. They had a lot of time to get that check verified they day I deposited it or even business days afterwards but they refused to do so. That leaving me no access to my hard earned money. I have direct deposit but they first check must be a live check for one pay period before direct deposit takes affect. This bank falsely stating my account to be delinquent in order to hold funds is not right. They refuse to do anything and now have caused me to fall behind on my dues and providing for my children because they want to be negligent. This bank needs to be held accountable for their unlawful practices. How can they hold a official payroll check with zero verification of being legit for 2 weeks without making any of it available to the payee?? They stated if I would have came in and cashed the check and turned around and deposited the cash this wouldnt have happened. The Branch manager who refuses to help and is extremely rude is XXXX XXXX ( maybe XXXX ) not sure of the spelling. Something needs to be done in this matter. 

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 non-monetary relief
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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