vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection 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 2023-12-11 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am currently rewriting my complaint with GM FINANCIAL concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
GM FINANCIAL claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XX/XX/XXXX I file a XXXX  XXXX petition in case number XXXX in the northern district of Illinois and XXXX JPMCB Card services account # XXXX was listed in my petition and was discharge on XX/XX/2023. JPMCB CARD Services unlawfully requested my credit report from XXXX on the following months. XXXX XX/XX/2023 without my permission and out permissible purpose in violation of the Fari credit reporting Act 15 U.S.C. 1681 b ( a ) 3 ( f ) ( i ) .on XXXX XXXX I received a letter from Chase that those are soft inquiries. those inquiries where violations under the XXXX XXXX  Bankruptcy stay and discharge .please review the letters to JPMCB Card services. and the XXXX  XXXX discharge order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MD

Complaint narrative:
On XX/XX/2023 ( and many disputes before that ) I have submitted disputes on these XXXX XXXX XXXX accounts. XXXX of the accounts are not mine and the other XXXX are reporting inaccurate information ( all XXXX accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a property that will be under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for a certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage, as well as my escrow are serviced by LoancareXXXX XXXX  XXXX XXXX Unfortunately, LoancareXXXX XXXX  XXXX is unable to successfully process XXXX XXXX property tax bills. 

In XX/XX/XXXX, LoancareXXXX XXXX XXXX started charging me 100 % of the tax rate ( instead of the 50 % required by law ) and they missed the tax payment for the fourth quarter of XXXX ( due date of XX/XX/XXXX ). Since LoancareXXXX did not process my notices of error on this topic, I had to submit a complaint to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX ( Complaint Number XXXX ) so that LoancareXXXX would bill me and pay XXXX town the appropriate amounts. After that complaint was resolved in my favor, LoancareXXXX started charging me the correct XXXX XXXX amount and refunded the late fee to my escrow. 

Unfortunately, LoancareXXXX again XXXX the tax payment for the third quarter of XXXX ( due by XX/XX/XXXX ) and also charged a late fee of {$26.00} to my escrow on XX/XX/XXXX. After this miss, LoancareXXXX issued an adjusted Annual Escrow Account Disclosure Statement on XX/XX/XXXX and sent me a letter indicating that I was to be responsible for tax payments since PILOT was considered a supplemental/special assessment and they were not responsible for these payments. Under this new statement, LoancareXXXX were not collecting escrow for XXXX XXXX payments and I was responsible for making those payments directly to the town. I was happy with this arrangement and I started making payments directly to the town ( See the XX/XX/XXXX payment receipt attached of my XXXX XXXX payment to the town ). However, LoancareXXXX did not take responsibility for the late fee of {$26.00}. 

On XX/XX/XXXX, I received a new Annual Escrow Account Disclosure Statement ( the third in XXXX ) indicating that LoancareXXXX were again going to begin collecting taxes in the escrow to pay the town for my PILOT/Property Tax bills. 

It is evident that Loancare/XXXX  are incapable of processing my XXXX XXXX payments and they are consuming a significant amount of time and money from my side. I have also demonstrated that I am able and willing to manage XXXX XXXX payments on time directly to the 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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit for a {$15000.00} check from XXXX XXXX XXXX on XX/XX/XXXX. Chase bank tried calling XXXX XXXX to try and release the funds sooner but XXXX XXXX would not give them information to release it. I can not understand why it takes XXXX  DAYS to release a check? My money is floating and not getting paid interest and it feels wrong. XXXX a bank make AT LEAST the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. And shouldnt the rest of the deposit be available on the second business day? XXXX  days is outrageous with the technology that we have in todays world. This feels very shady and very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-12-11 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: TX

Complaint narrative:
I noticed incorrect payment history listed on my credit reports for XXXX, Experian, and XXXX for XXXX XXXX. This account is listed as XXXX  days late in XX/XX/XXXX and XXXX  days late in both XXXX and XX/XX/XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.

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 2023-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Upon moving out of my apartment ( XXXX, XXXX, Nevada ) in XX/XX/2021, the management refused to do a move-out inspection. About a month later, they sent me a letter saying I owed them {$140.00}, which was in addition to the {$300.00} deposit they were not returning to me. This document they sent me falsely stated this extra charge was due to " accelerated rent ''. At this point in time I had never been provided an itemized list of charges, which is required per my lease. I have pictures supporting my claim that the unit was left in as clean or cleaner condition than when I moved in, in accordance with the terms of my lease. XXXX  years later now, the alleged debt is with a collection agency ( XXXX ) and when I disputed this debt they were able to provided an itemized ledger containing cleaning charges totaling {$340.00}. These charges are fraudulent. Additionally, the itemized ledger was never sent to me within XXXX  days, as is stipulated in my lease. These cleaning charges are part of the cause of the alleged debt I owe. I have a complaint open with the XXXX ( which has given XXXX an " XXXX '' rating ) and am disputing this debt with the XXXX major credit agencies. I have pristine credit, and can afford the {$140.00} charge, but these business practices are fraudulent and should be stopped for the people that can't afford to have their {$300.00} deposit stolen and then their credit damaged due to fraudulent business practices. Neither XXXX ( the apartment ) nor XXXX XXXX XXXX XXXX ) has provided evidence ( i.e., move-out inspection form and pictures ) substantiating their claims. Additionally, XXXX 's communication practices have been vague, inaccurate, and not in accordance with the lease ; this is fraudulent behavior. I have attached a sampling of pictures ( due to file size limits ) and additional supporting documentation to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GFS II, LLC
State: OH

Complaint narrative:
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 These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
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 These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
I recently checked my credit report and noticed unauthorized accounts on my 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 non-monetary relief
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-12-11 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone had used my information to apply for a JPMorgan chase credit card on XXXX XXXX.A hard enquiry was made on my accounts.i want it removed.i reported to transunion and I put freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
At the age of maturity and in good faith I brought value and consideration for a home. I put my application in with this person hoping to receive the same consideration back, but they discriminated against me, After that we lost contact. 

I sent correspondence to this person explaining to them that Im the beneficial equitable title holder & that I would like my credit/original application returned to me They responded with abusive language ( 15 usc 1692 d2 ), by calling me a borrower. I was not the borrower in this transaction. & with no mention of my returning me my application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Good Morning, I cancelled the extra insurance policies on my loan recently. At the time of signing my loan, I was told I had to have this insurance. I know that I am way out of range for a refund but I feel they are still being deceptive. 
Also, you dont get that money back. Your only option is to have it applied to your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Monthly I send in payments to Lowes/Synchrony on the 1st via bank bill pay. The payments are usually cashed within 3 to 4 business days. However the payments are applied 8 to 10 days after the payments have been cashed making the application to the account more than 2 weeks after payment was sent seemingly in hopes of making the payment late and then charging a {$30.00} late fee. Additionally upon request to have the late payment removed they require I send a hard copy of my complete bank statement via USPS or fax with no redactions on any portion of the statement. They will not accept the transaction number or a copy of the cashed/cancelled check showing they've received and cashed the payment.

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 monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Accurate Background
State: PA

Complaint narrative:
I was just told that I didn't receive the job at XXXX XXXX XXXX  XXXX because of an Aggravated Assault from XXXX. I gave consent for XXXX XXXX to do a background check for either 7 or 10yrs. Criminal record from XXXX  and XXXX  was released to XXXX XXXX XXXX  XXXX and therefore I didn't get hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NC

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 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  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