vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: AR

Complaint narrative:
I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed 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 2024-01-20 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: MI

Complaint narrative:
THE FOLLOWING NEGATIVE ITEM ( S ) REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VERIFIED NOR WERE PERMIITED BY ME TO BE PLACED ON MY CREDIT REPORT AND I ASK FOR THE IMMEDIATE REMOVAL OF ALL NEGATIVE ITEMS ATTACHED PER THE SUPPORTING DOCUMENT ( S ). ALSO, THE FOLLOWING CONSUMER LAW WAS BROKEN WHEN THE AGENCY FAILED TO VALID OR VERIFY THE XXXX SAID NEGATIVE ITEM ( S ) : 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to 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 non-monetary relief
Consumer complaint received 2024-01-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: OH

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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is incorrect personal information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is incorrect personal information on 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When applying for a Mortgage Equifax is reporting my social security number, accounts which are not mind and accounts which have been removed by XXXX and XXXX as out dated information. 
Equifax is reporting a credit score XXXX  XXXX, XXXX as a XXXX. They are reporting XXXX Serious Delinguency and derogatory public record or cllection filed. 

XXXX Number of accounts with delinguency and XXXX XXXX since delinguence is too recent XXXX XXXX XXXX XXXX XXXX as an open account and charged off XXXX XXXX XXXX XXXX ( XXXX accounts XXXX for XXXX and another for XXXX They are reporting my SSN as a different number. I have repeatly sent information in to the XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have sent information to the XXXX XXXX XXXX XXXX, Georgia XXXX. 

I have called on numerous occassions. 

I have put in a compliant with CFPB on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and This is the Final attempt XXXX. 

All items which are not debt vaidated which show a contract with my correct and birth social security number must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NerdWallet, Inc.
State: AL

Complaint narrative:
Around the 2nd week of XX/XX/2024, I inquired online about a loan with Fundera by NerdWallet. A representative by the name of XXXX XXXX responded. We spoke about possible options of funding for my particular needs. After several conversations and supplying confidential financial documents, I decided that Fundera was not the right company for me. I also communicated with Representative XXXX XXXX that his options were not acceptable ( XX/XX/2024 ). At this point, I ceased communication with Fundera. 

The following week on XX/XX/2024, I received a email and call from XXXX XXXX at XXXX XXXX XXXX and another company stating that XXXX XXXX has passed along all my confidential information to other financial companies without my permission. One of the reasons that I ceased communication with XXXX is because his presentations seem more like a scam. I do not want him passing my information on to other contacts that may have the same type of questionable conduct. It appears that my instinct was correct with XXXX at Fundera and now I am concerned about who is holding my confidential information that was not authorized for XXXX to pass along.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: VERITAS FUNDING, LLC
State: IN

Complaint narrative:
I was called by Veritas Mortgage in XX/XX/XXXX to refinance my property and receive a cash out. I also had did some shopping around. The mortgage broker promised a lot of items that as today I now no that they were not true. He did not disclose about the points that they would charge. I did not discover until after the fact. During the process my disclosure changed three different times. Items I was told in the beginning I could not shop for and the company ended up using their own individuals associated with their company at a high price. My original interest rate was 3.1 %, originally, I was told my interest would be around 5 % only. My credit score was a XXXX. I was charged over {$15000.00} as origination fee {$14000.00} being represented as points but was not. with an administrative fee of almost XXXX Appraisal fee excessively high as well credit report {$130.00}. There was an error in my homeowner 's insurance the amount prepaid was the same amount as the year XXXX  This lets me know that no one was called, I called the VA mortgage section, and they said what was done was not right but illegal and VA was not told about that excessive number of points. I would have never agreed to this. I was exploited and large amount of money that should have come to me went to them Veritas Funding. I have been directed also to file a complaint with VA and shall do. My loan was immediately sold to a sub-prime mortgage company. I was sent a 1098 and the money that was indicated for points was not stated. They said when asked Veritas should also send me a 1098 but has not as of yet. Veritas is predatory lender as well as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 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: LA

Complaint narrative:
Unauthorized hard inquiries were made on my Equifax, XXXX, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXF XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: DE

Complaint narrative:
According to USC 15 1681s-2 : A person s 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. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My Equifax report has been violated by Equifax as well as XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have fallen behind on my payments due to having XXXX and being out of work. I am receiving 4 to 5 calls a day with 3 voicemail a day and this is 6 days a week. So on average I'm receiving over 20 calls a week. The voicemail is a general voicemail that others have access to where they have left specific voicemails as to who they are amd that they are trying to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: GA

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

I told the Experian, XXXX and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 XXXX years.

15 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or XXXX XXXX XXXX reporting. I have evidence to prove my case.

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 2024-01-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i recived a letter in the mail that someone has attempted to open up an amex in my madien name. i pulled a credit report XXXX had a few hard inquiries 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 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I was recently given XXXX Visa gift cards in the amount of {$500.00} each, sold under the Vanilla brand. I attempted to use my cards in a store to make a purchase and both cards declined. I checked the balances and they were correct, and the card was active. 
I called customer service and spoke to an agent and a supervisor named XXXX, and was told to " try at another store '', as " for security purposes '' they block particular retailers ( not specific purchases ). I was attempting to use this card at XXXX and XXXX a reputable company, and the cards were physically present ( this was not an online transaction ). Customer service refused to elaborate on where I could use this card other than to say " try somewhere else ''. To me, this obsession with stopping fraud has become a scam. Vanilla took the money that was used to purchase the card, and refuses to honor the usage of said card. The company does not disclose what retailers or types of retailers are blocked. They refuse to point to any terms and conditions that state restrictions on usage. Vanilla is essentially stealing consumer 's hard earned money at the time the gift card is purchased by not letting the recipients use their cards. This is a racket and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I obtained a loan from OneMain Financial in XX/XX/XXXX for a vehicle for my daughter. I was insured the loan using the car and obtained extra services to make sure the car would be paid off in case of employment/accidents/death. I paid XXXX XXXX monthly on time, in XX/XX/XXXX, the car was totaled loss in an accident. My insurance company paid {$1000.00} over what was borrowed for the car. OneMain Financial is saying I still owe {$2000.00} on the loan after I have paid {$390.00} on this loan for over 3 years then the insurance company paid almost {$7000.00} when the loan was {$5500.00} for the car with added services to insure the loan would be settled in case of any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: AR

Complaint narrative:
I checked my credit report on XX/XX/XXXX and I noticed a Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX still reporting on XXXX and Equifax. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but XXXX and Equifax failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I submitted my annual recertification for the IDR plan which I have done for years without issue. I spoke with XXXX XXXX at Aidvantage ( new servicer ). My payments were to be {$10.00} a month for the SAVE plan per XXXX XXXX. and those payments were made so I had no idea there was an issue with my loans. On XX/XX/XXXX, I discovered that Aidvantage is demanding a past due payment of {$600.00} for several months. Aidvantage screwed up my account and they can not be trusted. I set up autopay and made monthly auto payments. I have a PDF stated my IDR recertification was approved. I also want a full accounting done on my loans as I do not trust Aidvantage. I disagree with the amounts due and the interest accrued on each loan. Aidvantage is an unethical loan shark. I want the Department of Education to verify each loan 's interest charges and loan amounts. I WANT A NEW SERVICER. This company 's errors have the potential to ruin people 's lives and they must be held accountable. The CSRs keep customers on hold for over 45 minutes. Then I spent over an hour speaking with another CSR named XXXX XXXX. XXXX stated that I needed to go into forbearance so they could find out what happened. They screwed up that is what happened! I was on the phone for over 2 hours. THIS MUST BE TAKEN CARE OF. I DO NOT TRUST AIDVANTAGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXXXXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: OK

Complaint narrative:
I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed 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 2024-01-20 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: OK

Complaint narrative:
I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a XXXX  of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!

Company response to consumer: Closed with explanation