vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: NJ

Complaint narrative:
XXXX recently ( in XX/XX/2023 ) closed a XXXX XXXX XXXX XXXXXXXX account based on information contained in my credit report on other non XXXX  accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX. As per the FCRA XXXX must send proof that I gave written consent to report the XXXX XXXX XXXX XXXX account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other non-XXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TX

Complaint narrative:
US auto sales use the tracking device that was placed on the vehicle at the dealership to track the vehicle down And repossess it without notice or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2023 I opened up a 0 interest credit card with US Bank XXXX account number. 
On XX/XX/XXXX they say they mailed {$2200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX The amount owed over 2 weeks is still showing {$4400.00} at XXXX XXXX . 
I have called both and they refuse to call each other or try to find out what happened to the payment. 
They both refuse to remedy the payment by stopping it and resissueing or imagine this, with all their digital promotion, Send it electronically. 

In the meantime XXXX XXXX keeps charging me 29 % credit while they wait to open up the mail. 
I am sure many people have this issue with XXXX XXXX. 
Please ask them to talk and fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is headquartered in XXXX, IL. TransUnion Inc. is a for profit traded company under symbol TRU in the business services industry. 
TransUnion is regulated by the FCRA and in occurrence with the FCRA. TransUnion must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to TransUnion that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though TransUnion has not received any written instructions from a federally protected consumer. TransUnion has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion also has non mail able addresses on this report, which I want removed. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion also has incorrect phone numbers on this report that are not associated with XXXX XXXX. I want this phone numbers removed! 
( XXXX ) XXXX ( XXXX ) XXXX TransUnion also has XXXX  incorrect names on this report that are not associated with XXXX XXXX. 
I want these names removed! 
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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
On XX/XX/2023, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/2023 to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/2023 I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/2023 I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/2023 I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/2023 I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. 

Dovenmuehle claims the funds were sent to Missouri 's unclaimed property department and they have no records of this money so I am unable to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX XXXXXXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX  XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX  XXXX XXXX XXXX For The XXXX XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All information on credit report should be remove due to identity theft enclosed you will find the account number of a report made. There should be an account from XXXX XXXX that is not mine due to a breach with XXXX my information was used in a identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Business Corporation
State: TX

Complaint narrative:
This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
Equifax Inc. is headquartered in XXXX  GA. Equifax Inc. is a for profit traded company under symbol EFX in the business services industry. 
Equifax is regulated by the FCRA and in occurrence with the FCRA. Equifax must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Equifax that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Equifax has not received any written instructions from a federally protected consumer. Equifax has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have been a USAA customer for 49 years. Since XXXX of this year, I have been resolving disputed charges on my credit card with USAA. ( My current credit card number with USAA is XXXX, expiration date XX/XX/XXXX, security code XXXX. ) For the most part, these have been resolved, including charges in the amount of {$2500.00} which have been described as charges against my credit card for deposits to a bank account. I did not create these charges. In XXXX, USAA did set up " promotional '' checking and savings accounts which I do not recall asking for. Once I realized that these accounts were problematic, I had them closed. Even with that, they were reopened. I had them closed a second time. 

Meanwhile, two of three {$2500.00} credit card charges have remained. Once again, I am battling USAA have these resolved. I never get a straight answer on these last charges of a call back. In toto, I have made 20 calls since XXXX, XXXX to have all of these resolved and approximately 10 calls devoted to the {$2500.00} charges. I am always polite during these calls even with my growing frustration.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 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: Global Lending Services LLC
State: MA

Complaint narrative:
I have no knowledge of this collection account that is reporting on my credit report im a victim of identity theif .Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MS

Complaint narrative:
I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below : 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 2023-12-15 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
applied for a loan mod back in XX/XX/2023, they said they would look at it and will take 30 days, now is mid XXXX and they sent a take it or leave it offer, i have less than a week to reply. i get my loan mod and have 3 payments of XXXX a month, the same for the next 6 months and then a balloon payment of {$64000.00}, they granted a loan mod but didn't extend me any time to pay off whats do. i though a loan mod was to give a person time to pay things off, what happened? it's a lone mod that only benefits my loan servicer, good old PHH, how about giving me some time to pay it off?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Happy Money, Inc.
State: PA

Complaint narrative:
My information was used to get a loan that was not authorized by me, I filed a police report. I also submitted a fraud victim letter and disputed online with the company several times. I requested proof of validity under the statue of fraud limitations. According to consumer law if a creditor can not prove that they are required to remove it by law which they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Source of Information : FIRST CITIZENS BANK ; XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not AvailableReported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXXReported XXXX XXXX XXXX XXXX, NC XXXX XXXX SSN/ID : XXXX License : XXXX State : XXXXDate of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XX/XX/XXXX, XXXX : XXXX XXXX BANK ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone XXXX Not XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Number : Telephone Number Not Available Inquiry Date : XXXX Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Number : Telephone Number Not XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX License XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date : XXXX XXXX : XXXX A XXXX SSN/ID Provided : XXXX XXXX XXXX XXXX : NC, I have sent in FTC report, police report and have sent XXXX XXXX of XXXX XXXX XXXX XXXX the alleged XXXX isn't XXXX nor XXXX I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: CA

Complaint narrative:
I am currently in a program to help with my financial situation XXXX XXXX. They have been able to come to payment agreements with most of my creditors. Explore Credit states theyve never been contacted which they were on XX/XX/XXXX for an agreement and did not answer. I have placed stop to payments by my bank at XXXX and they now are debuting my account via check. Ive called my bank which can not refund me but only file a dispute, and I have numerous times called and emailed Explore Credit to please stop payment. I last spoke to them on XX/XX/23 and was told my upcoming draft would be postponed til XX/XX/23 so I had time to fill out documents to agree on payment with XXXX XXXX and they never sent me the documents nor called me as I was told and still got drafted XX/XX/23 as promised. I called to ask why that was they said they had a technical difficulties. I contacted XXXX XXXX and was asked to reach out to you.

Company response to consumer: Closed with explanation