vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I never gave the cra auth, please remove accnts& inquiries. 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 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 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 2024-04-24 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: TX

Complaint narrative:
I never gave the cra auth, please remove accnts& inquiries. 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 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 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 2024-04-24 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: IL

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing DOES NOT WANT TO SERVICE MY LOAN by check. They send the statements out LATE every month. I have complained about this repeatedly, to no effect. I resorted to making the payment IMMEDIATELY after receiving the statement, generally THE SAME DAY. I know they want late fees. Last month, I received my statement on XX/XX/year> ( due XXXX ) and paid it immediately. SPS claims not to have gotten the payment and has charged me {$120.00}. I KNOW I sent the check and I believe it is sitting around their office somewhere. It regularly takes them until the last possible day ( the XXXX ) to process my mortgage payment. I HAVE COMPLAINED ABOUT THEM REPEATEDLY and no one will help me hold them accountable. THEY ARE THIEVES. I shouldn't have to pay online so they can " leak '' my PII to the dark web. I want them to do their job and I want the late fee reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
In XX/XX/2023 I reached a settlement with XXXX and Aldridge Pite Haan on credit card debt. I was represented by XXXX XXXX. My firm file number is XXXX. 

I have made monthly payments to Aldridge Pite Haan. I have all my recorded payments to Aldridge Pite through XXXX XXXX XXXX XXXX, last XXXX digits of the card XXXX. 

In XX/XX/2023, I inquired into my account balance with XXXX XXXX. The remaining balance was {$1000.00}. The firm does not provide any balance or payment history when entering the payment system or sending payment. 

I sent another inquiry recently as I am nearly done with payments. I received a reply from XXXX XXXX claiming I now owe more than what I originally owed, over $ XXXX responded, stating the amount was erroneous, explained that I had paid regularly since the settlement. and I requested my payment and balance history. 

I received no response. I followed up and XXXX XXXX stated they would send a letter to the attorneys at the firm as my account file number was not found when entering into the Aldrige payment system. But I have yet to receive any response, requested information, and my balance fixed. 

Aldrige Pite Haan is deliberately doing this to try to garnish more money from debt collectors. There are reviews on XXXX and numerous other websites where users describe these similar tactics. The firm is not responsive and they do not provide payment or balance history when requested, and they manipulate balances for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I checked my credit karma which reported that there was a hard inquiry on my account from capital one on XX/XX/2024. I did not make any account with them so I called them. They said there was a XXXX XXXX account made using my information but did not use my phone number. I told them that it was fraud and not made by me and they will be doing an investigation. I checked my transition and saw random numbers I didn't recognize under my account and inquires on my account. Someone has my identity and have been using it to open bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
We were rear-ended on XX/XX/year>, at XXXX XXXX. We immediately contacted USAA to report the accident. XXXX 's XXXX XXXX towed the car to their lot. 
On XX/XX/XXXX, at XXXX PM, we authorized USAA to move our car to an authorized USAA repair facility, XXXX XXXX XXXX XXXX, to estimate and repair the damage. USAA contacted us via message to inform us that, based on their investigation of our loss, we had " 0 % liability. '' On Friday, XX/XX/year>, XXXX informed us that the repairs were more extensive than initially thought and that they were not equipped to handle the repairs the car might need. 

On XX/XX/year>, we found XXXX XXXX XXXX  XXXX in XXXX, North Carolina. We immediately contacted USAA 's XXXX XXXX XXXX at XXXX to inform them of the change in repair facilities. 

On XX/XX/year>, USAA towed the car to XXXX & XXXX XXXX. That same day, USAA issued a payment to XXXX in the amount of {$6300.00} ( for the original estimate - before they discovered further damage and alerted us to their inability to repair our car ). We called USAA and asked them to cancel the {$6300.00} to XXXX because the car was no longer at their facility. 

On XX/XX/year>, USAA redirected the {$6300.00} payment to XXXX XXXX XXXX XXXX. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided USAA with an estimate for repairs ( Supplement of Record XXXX with Summary ) for {$31000.00}. 

On XX/XX/year>, USAA adjuster XXXX XXXX ( License Number : XXXX ) approved XXXX XXXX XXXX XXXX supplemental claim. ( Estimated repair date : On ( or about ) XX/XX/year>. 

On XX/XX/year>. XXXX XXXX informed us that the car was a " total loss. '' On XX/XX/year>, we received a market valuation report for {$65000.00} to settle our loss claim. We contacted USAA to dispute the amount. After negotiations, we agreed to settle our claim for {$69000.00}. 

On XX/XX/year>, we received the updated " Settlement Agreement '' and signed in to " XXXX '' ( USAA title counterpart ) to sign the appropriate paperwork. XXXX informed us that USAA would release funds to our lien holder, and we would receive the amount above and beyond our pay-off after all paperwork was verified and completed. 

On XX/XX/year>, we contacted XXXX XXXX  XXXX to authorize the release of our car to XXXX. 

On XX/XX/year>, XXXX XXXX ( from USAA ) emailed us to inform us that XXXX was scheduled to pick up the car from XXXX XXXX XXXX  on Friday, XX/XX/year>. 

On XX/XX/year>, XXXX XXXX notified us that USAA would settle the outstanding lien with XXXX XXXXXXXX XXXX for the car in their possession. However, due to a USAA accounting regulation, we are unable to obtain our share of the agreed settlement until USAA retrieves the payment made to XXXX XXXX XXXX  XXXX on XX/XX/year>, amounting to {$6300.00}. The timing of this remains uncertain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Maryland XXXX XX/XX/year> KIKOFF INC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Kikoff, I am writing to formally request that you refrain from selling and furnishing my non-public personal information to any third-party organizations, in accordance with relevant consumer laws, including 17 CFR 248.7 and CFR Part 1022 - Fair Credit Reporting ( Regulation V ). As a consumer, I am exercising my rights to privacy and data protection by opting out of the sale and sharing of my personal information. This includes but is not limited to my name, address, email address, phone number, and any other non-public personal information collected by XXXX. 
Under 17 CFR 248.7 and CFR Part 1022, I am entitled to opt out of the sharing of my personal information with third-party organizations. Therefore, I request that XXXX cease all activities related to selling, sharing, or furnishing my personal information to any third parties for any purposes not permitted by law. 
I expect Kikoff to comply with this request promptly and to confirm in writing that my opt-out request has been processed and that my personal information will no longer be sold or shared with third parties. 
Thank you for your attention to this matter. Please acknowledge receipt of this letter and confirm that my request has been actioned accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MN

Complaint narrative:
Date of last payment as well as date of balanced update inaccurate XX/XX/XXXX XXXX XX/XX/XXXX. Delinquent date inaccurate XX/XX/XXXX XXXX XX/XX/XXXX information coming from same how are they different, inaccurate please remove ASAP do to FCRA noncompliance. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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 2024-04-24 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: IL

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-04-24 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting true id texts. there were XXXX Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had XXXX XXXX inquiries. I can understand maybe XXXX hard inquiries but not 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 2024-04-24 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: NV

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 
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 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 XXXXXX/XX/year>

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 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Date of last payment as well as date of balanced update inaccurate XX/XX/XXXX XXXX XX/XX/XXXX. Delinquent date inaccurate XX/XX/XXXX XXXX XX/XX/XXXX information coming from same how are they different, inaccurate please remove ASAP do to FCRA noncompliance. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

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

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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 
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 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 XXXXXX/XX/year>

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