vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report and when asked to provide the thorough investigation report and how was the investigation conducted without contacting me their response was they dont need to contact me to do an investigation but that is against the law to conduct an investigation without contacting all parties involved. My credit score dropped XXXX on XX/XX/year> and XXXX points on XX/XX/year> for an account that Ive never been late on points recently and they are unable to tell me why. I need for Equifax to fix this matter asap or further actions will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
This is a follow-up to a previous complaint. My absolute nightmare of an experience with Citi, has continued on, for XXXX months. 

After what seems like hundreds of attempts to get through to Citi, Im still unable to access a savings account, that was opened with the company in late-XXXX. 

The account was flagged in earlyXXXX, with possible fraudulent activity. The account then became inaccessible. After weeks and weeks of calls to customer service, online attempts, and even this method the company simply wont allow me to access the account. Multiple attempts to verify myself with customer service, have gone unsuccessful. Despite providing name, social security, ATM card #, Im denied access for not knowing account number ( how could I? I cant access the account ) or a security word or phrase ( which I have no recollection of setting up ). The representatives are less than helpful, and frankly are not very good at speaking XXXX. 

So, Ive been left to try to access the account through ATM card. Problem is, by the time issue was resolved on Citis end, and the PIN was arriving for original card ( several weeks later ), the card had been deactivated by Citi. Then, they send correspondence telling me the account is being closed. I think, great! Now I can be done with this company.

The next day, receive another letter just kidding, the account isnt closing. Later, Im sent a second ATM card. But, now, its been over a month, and the PIN hasnt been sent. 

I have been stuck in limbo with {$6000.00} dollars for over two months. I simply want this ACCOUNT CLOSED. I WANT NOTHING ELSE TO DO WITH THIS TERRIBLE COMPANY. I just want my money back. Is that so much to ask? I am BEGGING for help, here.

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 2024-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Cornerstone First Mortgage, Inc.
State: MO

Complaint narrative:
The company refused to provide me with the insurance requirements that had to be met for my property insurance. They forced me to carry insurance on buildings that are not salvageable or are in disrepair. The purchase price of the property was {$410000.00} and they were originally trying to make me carry {$700000.00} on the property. I felt like they targeted me and refused to provide documentation or communicate openly and honestly. It involved both the loan officer and the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an unexpected text from Chase advising that both of my credit cards were going to be closed. I immediately called Chase customer support to ask why as I have had these accounts for long periods of time and have never missed any payments. XXXX XXXX XXXX ( ... XXXX ) for over 4 years and XXXX XXXX ( ... XXXX ) for over 16 years. I further explained that I was a loyal customer and enjoyed the rewards that the cards offered and to please reconsider. XXXX, the customer support person said he understood and would escalate a ticket to management for review. Every time I called to follow up asking if the manager received and reviewed my ticket, I was told to wait for a letter in the mail. I received a letter dated XX/XX/XXXX saying the accounts were still getting closed due to " unexpected activity on these or another Chase account. '' I called Chase customer support again and this time I was transferred to a manager who could not explain what the unexpected activity was. The manager said to wait for another letter for an explanation from Chase and not the credit card company. Today is XX/XX/XXXX and I have not received any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I set up a payment plan through my credit card Chase XXXX XXXX XXXX plan. The agreement was for {$2200.00} to be paid back in XXXX installments at {$95.00}. This plan was started on XX/XX/2023. The problem is we attempted to purchase a trampoline for {$1000.00} we waited almost a month and the company never reached out or anything so we disputed the payment and we were refunded the money. Now we have the Credit Card set up to automatically pay the interest savings balance every month. The refunded amount should have gone back into the account to pay off the monthly balance, however ; they applied it to my Chase XXXX XXXX XXXX XXXX account and now the balance is higher than it should be this month. They have stated that there is nothing that can be done once the money is allocated to that payment plan when I never intended for the money to go there. Now this month the interest saving balance is super high and should not be and that balance should have never been allocated like that without my consent. I believe they did this acting in bad faith to get out of a 0 % interest payment plan that they had offered and established and believe this is predatory in nature. There absolutely should be a pre authorization to apply payments like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm was responded to regarding what they requested in regards to me calling them to verify my identity on, XXXX XXXX at XXXX. The representative has advised an escalation to their team for investigation of the charge off accounts will be reviewed with the conversation on this day and the CFPB complaint submitted on, XX/XX/year> will be attached to the escalation. I requested that it be notated to the account that Affirm has not done their due diligence in over 6 months when properly accessing and investigating this account. Affirm alleges they loaned me money and that is a lie. As indicated I provided the equity in the transaction when I signed the promissory note, Affirm has no superior claim as they provided no equity in this transaction. Affirm Has yet to provide a copy of the 1099c ( copyB ) that they must provide to the IRS for proper and accurate book-keeping for accounting purposes and their compliance with the Securities Exchange Commission XXXX which would be provided to myself as proof that this loan has been charged off and used to be reported as income. All information that Affirm has alleged is false, even if the 1099c was to be provided to myself it is still false as indicated there was never any loan. I provided the equity therefore I have superior claim. Proper investigation is to be conducted for the lies alleged by Affirm and correct reporting to the credit file and any errors shall be fixed according to 15 U.S.Code 1692. Affirm is in violation of inaccurate reporting of accounts to the consumer credit file and Securities Fraud within the Securities Exchange Commission. I am also requesting all Federal Reserve Notes that I provided to Affirm are returned to myself for Affirm false and misleading and fraudulent activity. It is of truth that Affirm has never loaned me any money. Affirm/ Bank does not loan money. Affirm has fabricated and created a false loan receiving assets from the Promissory note, then creating a false reality that I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the unlawful repossession of my vehicle, a XXXX XXXX XXXX, which occurred on XX/XX/XXXX. The repossession was carried out in violation of federal laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as my constitutional rights under the Fourth and Fifth Amendments.

Violations of Federal Law 1. FDCPA Violations : - Under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations, including falsely implying affiliation with any state or federal agency.

- Under 15 U.S.C. 1692f ( 6 ), debt collectors are forbidden from taking or threatening non-judicial action to effect dispossession or disablement of property without a present right of possession, intention, or where the property is exempt from such action. 
- The vehicle repossession was executed without any judicial order or enforceable security interest, rendering the action unlawful and deceptive under 15 U.S.C. 1692d and 1692e.

2. FCRA Violations : - As defined under 15 U.S.C. 1681a ( d ) ( 1 ), the unauthorized acquisition of my consumer report by running my license plate to assess my creditworthiness was a breach of privacy. Obtaining this report without my consent or a court order violates 15 U.S.C. 1681b ( a ) ( 2 ) and is punishable under 15 U.S.C. 1681q and 1681r.

3. Constitutional Violations : - The Fourth Amendment protects against unlawful XXXX and XXXX. The XXXX of my vehicle and access to my consumer report without a court order is a clear violation of my constitutional rights. 
- The Fifth Amendment guarantees due process before any deprivation of property. The XXXX of my vehicle without due process and without just compensation for its intended public sale is a direct infringement of my rights.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I submitted a school misconduct discharge application for my remaining private loans from attending the XXXX XXXX XXXX XXXX XXXX. XXXX  is a XXXX  its former parent company XXXX has had multiple lawsuits brought against them due to misconduct regarding misrepresentation of graduation rates, job placement and salary potential. 

My application and supporting documentation was delivered via XXXX on XX/XX/2024 and I was notified that it was received on XX/XX/2024. On XX/XX/2024, I called Navient 's loan servicing department at XXXX and left a voicemail inquiring about the status of my application ( understanding that it could take up to 2 months for the application to be process and reviewed ). On XX/XX/2024, I received notification from Navient that my application had been denied with the reason being " Navient carefully considers a variety of factors in determining whether aprivate loan should be discharged based on XXXX  misconduct and you do not meet the requirements for discharge based on misconduct by your XXXX. '' On XX/XX/2024, I called Navient at XXXX and was able to speak with a representative. I asked for clarification regarding the reason Navient gave and the representative stated that they could not give me any more detail than what was in the notification because Navient has chosen not to disclose the criteria for private loan discharge. I asked if there was anyone else I could speak with that may have information, or if there was any information that the representative could disclose and they said there wasn't. At this point the conversation hit a standstill and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, I was shocked to find unauthorized inquiries appearing on my credit report, and I have no idea why this has happened. As part of my regular routine, I reviewed my credit report, but this time, unexpected discrepancies caught my attention. I refreshed the browser, hoping it was a temporary error, but the inquiries were still there. I am asking for a thorough review of the documents I have provided so that I can feel secure moving forward.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX And Experian will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief