vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-01-03 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: EQUIFAX, INC.
State: NY

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.

has violated my rights. Or a list of inquiries : 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
- vehicle total loss XX/XX/, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/ left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been with this bank for 25 years. Over the years it has changed names many times. I have never been so dissatisfied as I have since Truist took over. 
During the holidays one of my checking account was over drawn by XXXXXXXX XXXX ... 3 times I have over draft protection but my automatic payment on my primary account was not going to be credited until the next day. The XXXX XXXX XXXX Echecks were returned and they charged me XXXXXXXX XXXX in check bouncing fees, the checks were returned to the establishment that the money was owed to and they also charged meXXXX XXXX  a return fee. So my XXXX in checks cost me over XXXXXXXX XXXX 
I called the bank and asked for the funds to be returned, they sent me to the bank manager XXXX. Who was on vacation. She saw me 4 days later and stated they could not return the fees since I had One over draft in the last 2 years. 
Of course I was furious and told them after 25 years of banking and fees that I have paid for the checking account monthly I would be closing both my accounts. 
I feel this is poor consumer relations. 
I will close accounts and be done with this establishment.

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 2024-01-03 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: EQUIFAX, INC.
State: FL

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 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 has violated my rights. Or a list of inquiries : 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 2024-01-03 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:
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 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 has violated my rights. Or a list of inquiries : 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate

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 2024-01-03 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: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.

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 2024-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was charged {$250.00} on XX/XX/2024 around XXXX unknowing by Title Max which was not authorized by me. The documents that I signed for originally stated that I would only be paying {$50.00} biweekly. Unfortunately I could not get in touch with Title Max because it was after business hours to resolve the issue. I called my bank therefore to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I gave XXXX and experience a copy of my Driver 's license. Also a copy of a bill. The problem with XXXX and experience. They did not write me or sent me a letter. Tell name who gave them permissible purpose to put the bankruptcy on my credit report. As a consumer, I do have that right to know. Also ask them being a consumer reporting Agency Under the fair credit act, nobody else can put any information on my credit if it's not the XXXX XXXX. XXXX and experience have done that. They have violated my fair credit 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out XXXX showing my last payment was made XX/XX/XXXX also inaccurate reporting. i want this account remove for inaccurate reportibg 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Eqifax and XXXX are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out asXXXX.also showing my last payment was made XXXX  also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

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 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper has not supplied a copy of my mortgage - asked in several formats with zero response. 

Further, Cooper claims they are waiting for me to return a settlement I rejected in XX/XX/2023. 

This is a lie. They have been told in print over and over that their settlement is garbage. 

They can return this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a hard inquiry on my credit report from JPMCB. I never applied for a credit card with this company. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. I see online that Chase is associated with this company. I did have a similar issue with Chase and they were to look over my whole file and reverse any damage that was done to my credit report. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I received a loan through XXXX XXXX XXXX when I purchased a vehicle from XXXX. The loan is predatory and I was not aware. I have been paying on this car for almost 6 years and it was totaled on XX/XX/2023. The original cost of the car was {$15000.00}. I have paid around {$27000.00} and when my insurance company got the pay off quote they were told {$15000.00} is still owed and when I called them they said it was due to late payments. This company was supposed to factor COVID-19 into this and did not disclose how Intrest is accrued. They have not sent my original loan agreement to justify this. Theyve threaten to take the vehicle multiple times and took it one time while I was in between jobs because it was 70 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
My friend who I deemed as a grandfather more so, gave me a check for {$2000.00} to put in my savings account to help pay for bills that are due on XX/XX/2024. Mobile deposited the check through my Chase savings account and I knew it would take a day to process. Got a hold on it XX/XX/2024 saying that they were trying to get information from my friend bank and ask me to call my friend to see why the bank was having issues releasing the funds. Called my friend and he stated that XXXX already released the funds out of his account. Called Chase back and they stated that on XX/XX/2024 that it would be released. Checked my account today and it now states on the account the check is on a hold. Called Chase and they stated they have to hold it and was gon na call to see if they could release the funds from XXXX. 5 mins go by and saying they could not reach XXXX and I would have to wait until XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: KY

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.

has violated my rights. Or a list of inquiries : 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 2024-01-03 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: U.S. BANCORP
State: IL

Complaint narrative:
on XX/XX/XXXX there was an inquiry from US Bank, that showed up on my XXXX credit report that was not from me and needs to be removed. 

on XX/XX/XXXX there was another inquiry from Hickory point Bank on my XXXX report that was not from me and it needs to be removed. 

I have not used nor have I applied for any new line 's of credit I called both banks and they said I had to contact XXXX credit agency so I did any they told me to contact this agency to get the inquiries 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 2024-01-03 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:
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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX, Protected Health Information ( PHI ), Privacy, and HIPPA compliance are essential to the protection of clients. In XX/XX/2023 did not do this, Bank of America denied my application for credit/funding while taking that information to use for profit, a very serious offense. Being denied credit as the original bondholder transferring my private security interest ( PHI ) to them in exchange for open-ended access to credit is illegal. BOA stated it was because of credit score information, this action is complete discrimination. BOA has profited from my credit and my security interest. This adverse action eventually led to my filing for bankruptcy in XX/XX/2023. It is unlawful for any creditor to discriminate against me for any reason, including bad credit. I also had 3 accounts closed in XXXX of XXXX which are additional violations. I am the collateral holder, power of attorney, and surety over every account, also as a holder of these accounts also a beneficiary. BOA never got authorization from the surety to close, trade, or sell any of the security interests, So in total, there were violations with 4 different accounts, 1 credit, 2 checking, and 1 savings. I am rescinding any security interests with any of the terms and conditions of BOA, as well as any proceeds that they are expecting to go their way. In conclusion, I was denied funding while BOA has profited and I am opting out of any arbitration clauses with the terms and conditions, I have been damaged/injured.

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