vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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

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 2022-12-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Around XX/XX/XXXX or XXXX XXXX, I mailed a letter of dispute to Equifax, see attached letter, receipt and proof of delivery to dispute some items on the report. 
The XXXX requires that a Notice of Dispute be added to the comment section of the credit report within 30 days of receipt of the consumer dispute. This Notice of Dispute was NOT ENTERED within the 30 days of receipt as required by law for the XXXX XXXX XXXX account ending in # XXXX on my credit report ( for all the disputes ) and as such is a VIOLATION of Section XXXX. This item MUST BE DELETED for this violation of section XXXX. 
Attached are : XXXX, proof of address ( XXXX  XXXX bank statement ), Initial letter of dispute, proof of mailing, proof of delivery and pages from recent credit report proof failure of Notice of Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  Account 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a car with XXXX XXXX of XXXX, CA in XXXX. I was a victim of a break in due to the hardware issue with XXXX and XXXX models that is currently being exploited by thieves. I am now requesting copies of my car loan because I am having issues with the GAP coverage. I reached out to XXXX XXXX back on XX/XX/XXXX and was told that I had to contact the XXXX, CA Location because XXXX XXXX moved. locations. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX the finance manager who was very rude an unprofessional. He sent my request for a copy of my contract to the wrong internal employee, and then to a person not even affiliated with XXXX, nor my request in any way. I tried to. complain to the general manager XXXX XXXX, the same day XX/XX/XXXX via email to which I have yet to receive a response. 

I have no copy of my contract to be able to check that it is correct, and valid under 15 USC 1631. I was just made aware by XXXX at XXXX XXXX that the XXXX location I bought my car from was closed down and my contract is not easily obtainable. Without proof of said contract, the loan is fraudulent and therefore nulled void

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiries below do not belong to me and were not authorized by me. Please remove them. 

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 explanation
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THE INQUIRIES, 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 explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29 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: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX CHRYSLER CAPITAL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX and CHRYSLER CAPITAL has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I received a loan from Rocket Mortgage on XX/XX/2022. I was told that when my previous home sold I could put a lump sum payment onto my loan. At this point they could redo my loan. The interest rate would stay the same but the payment would be lowered.The fee for doing this would be {$100.00}. When I called to do this I was told I had to have XXXX payments made on the current loan. After I made the XXXX payments I called again and was told it had to be XXXX payments. After I had done this, I called again and was told if I had made XXXX payments they could also get me a lower interest rate. I said sure, she did my loan as a refi and there was to be a {$14000.00} cost to do this. I told them forget that just do the the original offer same interest rate with a lower payment. I was then told I needed to have the XXXX payments and a extra payment on the prinicpal of {$10000.00} and the fee is now {$250.00}. 
They told me NOT to pay the extra lump sum on loan. 
I'm a senior age XXXX and they took advantage of me. 
I fill like this is a bait and switch game. 
Every time I called different answer but always for me to make additional payment at larger loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2022 I was scammed by a loan company that got into my chase account and put in claims for XXXX. Chase stated they did investigation. They did a reversal on funds then XXXX XXXX they took money back and closed my accounts. I spoke to XXXX and XXXXXXXX XXXX XXXX XXXX and they both stated that chase and recover the money. Fast forward XX/XX/XXXX I get a bill for {$1100.00}. I know I got scammed however Chase didnt due their job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX has continued to report a closed auto account on both my XXXX and Equifax credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. XXXX XXXX XXXX not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. XXXX XXXX XXXX is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. 

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX has continued to report a closed auto account on both my Experian and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. XXXX XXXX XXXX not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. XXXX XXXX XXXX is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. 

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.

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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-12-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
My loan was transferred from my XXXX  to Aidvantage in XXXX, they said account access would occur in XXXX, but they still are unable to find my account. I applied for a refund under CARES with my XXXX  for {$10000.00} before they transferred, but it appears they will not have my account information to reapply for the refund under Aidvantage before the XX/XX/22 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: 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, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX, 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 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 2022-12-29 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
On XX/XX/2021 AmeriCredit has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I overpaid {$2500.00} and the company didnt notify my of my balance or overage charge until I detected it. So I contacted Launch customer service and they are saying it takes 60 days to just get the refund check processed. So I called XXXX  XXXX XXXX and they made a claim and told me to file a claim with cfpb as well to flag the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer USA Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Annual Percentage Rate 18.00 % Account Balance XXXX If you would like to pay off your account balance, please Request Payoff Quote Account Maturity XX/XX/XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The dealership forced on me a XXXX XXXX XXXX with XXXX valued at XXXX  telling me it was a must to purchase this warranty. As a result, I ended up with a car loan with Santander Consumer USA in the amount of XXXX  with a usury interest of 18 % applied. Two months later, after speaking with the XXXX XXXX contract holder, I realized that the Warranty package was indeed optional and I canceled it. As such the outstanding balance on loan of XXXX has to be reduced by XXXX I contacted Santander Consumer USA and asked the following : 1. Use {XXXX to reduce the current amount due of XXXX 2. Reduce the monthly payment of XXXX because of the material reduction of the principle amount on which base the monthly payment were calculated. 
Santander Consumer USA has refused both options which means they are using predatory lending practices which I am promptly reporting to CFPB. 
Please negotiate on my behalf and bring Consumer Santander USA within normal and legal lending practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX

Company response to consumer: Closed with explanation