vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, a payment was made to Ally Financial and they accepted it then claimed to return it due to insufficient funds. They claim to have refunded it but they have not, then we had to pay a late fee on top of scrambling to get money together for another payment. 

The payment history on my end does not show any refund attempt, other refunds were made on other transactions and showed the return/cancelation but not this one. 

Its been almost 2 months and we are still going back and forth with them while they give us the runaround and try to sidetrack the call.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I opened an account with Affirm back in XX/XX/XXXX and have paid the account within a timely manner. However, as of XX/XX/XXXX, every time I attempt to use the account, I receive a letter stating that I am being declined due to an " outstanding external debt with their partnered bank. '' I have called on several occasions and I have also asked for clarification regarding this alleged outstanding external debt to no avail. 
To my knowledge, I don't have any external debts with XXXXXXXX XXXX. I keep inquiring about this issue to no avail. I would like to know if I owe an outstanding debt with their partnered bank, and what is the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until XXXX  %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. 
In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. Do I have any other recourse?

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 2024-02-05 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: 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.

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 2024-02-05 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: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: AL

Complaint narrative:
I sent a letter to the credit bureaus requesting incorrect personal information be 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: OR

Complaint narrative:
As I received your reply via CPFB, it does not look like you are going to provide what I need to solve this case. Here I will submit it again.

Hello, thanks for reducing the amount. However, I think I made the point simple and clear. I have disputed this via XXXX 8 times. I contacted you for getting more proof for this debt a couple months ago. I sent a follow-up email to your company regarding the proof, I don't get response yet. It looks like XXXX XXXX is not capable of providing the proof that I requested. That's why I made my point in the complaint - " they should've contacted me about the maintenance issue within 30 days after I moved out. Not sending my information to your company a year later. ". So let me make it clear here again : From the document you sent : Stove, refrigerator, dishwasher, toilets, bathroom sinks, miniblinds left filthy. Walls very dirty, required full paint. Water leak not reported by residents caused serious mold & damage to kitchen wall & countertop. Required full replacement of countertop, sink & faucet. Partial wall replacement Please provide photos that you took before you repaired these issues. I also have photos right before I moved out, so we can compare. And this does not make any sense, correct me if I am wrong : XX/XX/year> Cert. Mail Fee Certified Mail Fee to mail deposit disposition XXXX XXXXXX/XX/year> Security Deposits Security deposits from holdings XXXXXXXX XXXXXX/XX/year> Pet Sec. Deposit Security deposits from holdings XXXX It says in the document you sent, you charged me {$15.00} for sending my deposit via certified mail to me, and then you hold both of my security and pet security deposit. So what deposit you have sent to me via certified mail? In conclusion, please send me the photos as the proof/evidence of debt I request above, I think it's the most straightforward thing to do. If you are unable to provide the proof or evidence that these were caused by me, please remove this account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MI

Complaint narrative:
True Accord has tried contacting me through an email address not belonging to me disclosing that they are attempting to collect a debt including an amount several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: DC

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

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 2024-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
I've made several attempts to reach out to Discover, as well as their indenture trustee XXXX XXXX XXXX XXXX, XXXX, XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With XXXX XXXX  XXXX XXXX being the indentured trustee, your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations. I am requesting a full refund of all old securities including any interest or returns that may have been affected by the alleged fraudulent activities. I'm requesting a comprehensive investigation report outlining the findings of the internal investigation. This report should include a clear explanation of the actions taken to rectify the situation and prevent such conduct from reoccurring. Given the seriousness of the alleged securities fraud I am consulting with legal counsel to explore all available legal remedies. Your cooperation and prompt resolution of this matter can avoid protracted legal proceedings. I am open to engaging in constructive dialogue to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
I have Contact XXXX, Transunion, XXXX, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have Contact XXXX, XXXX, experian, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft 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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> I got an alert and after reviewing my credit report I see a chase credit card pop up on my credit saying 60 days past due. I then contacted them and reported a fraud account and was told they will be closing and removing from my credit because it was a business credit that is reporting to my personal credit. I have continued to reach out several times after and was giving run around saying they can't access my account then I don't have an account. then transferred to their credit reporting department no one seems to know anything but what I do know its cause financial hardship with this reporting to my credit report. please help me put a stop to this since I never opened this account I don't have no account information and they want give me any information. but its reporting XXXX this is the only number I have from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
Multiple fraudulent attempts to impersonate vendors were attempted using US Bank bank accounts.

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