vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: OR

Complaint narrative:
This is not my account I do not owe XXXX XXXX XXXX and XXXX XXXX XXXX any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account 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 2023-12-17 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: IL

Complaint narrative:
In accordance with the Fait Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$3200.00} - amount XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$800.00} - amount. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 or any other ADVERSE item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or any consumer reporting agency of 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 2023-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY

Complaint narrative:
There are several issues right now which has led me to filing bankrupcy to protect my home. I have lived in my home for XXXX in a XXXX  years, Back in XXXX I bought my home for XXXX with a XXXX  year fixed loan and a XXXX XXXX interest rate. I worked at the mines for XXXX  years and never missed a payment. I had taken out a loan against the property in XXXX for XXXX which was considered a XXXX mortgage. I was paying XXXX monthly every month. Than in XXXX I had a XXXX XXXX and was forced into retirement i also had a XXXX which has completely ruined my memory. I am getting foreclosed on for delinquent taxes which i have always had escrow taken out of my payment every month and never had a problem. now they want to take my home away? Why and how do i owe more than what i originally got my loan for XXXX  years ago. I still owe XXXX dollars on my home and it is worth XXXX dollars now. I quit making payments on my home to both companies because i did not know where my money was being applied to. I need answers I should have my house payed off or pretty close to having it paid off. Last year I was in good standing with the XXXX XXXX XXXX and got help from the HAF program in Wyoming and they applied XXXX dollars to that mortgage so i could pay off the XXXX every month on the loan i took against the property so i was paying XXXX every month because i did not have to make a payment on the first loan due to the HAF program paying me XXXX ahead. They have no record for that payment and now saying i am XXXX dollars behind. something is not right I do not know weather to hire an accountant to help or an attorney to help i am at loss for words and refuse to lose what i have worked so hard for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist Bank is raising the monthly payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I talked to a representative over the phone ( around XX/XX/XXXX ) and this person told me that they were raising the payment because I owed money to them. I asked for an explanation and this person said I owed more than {$6000.00} to the bank, I wanted for more details and She couldn't explained. I asked to talk to a manager and she said most of the people was on holidays and she was going to take a note and ask one of them to contact met. Nobody has done 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 2023-12-17 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: Westlake Services, LLC
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.

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 2023-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. Transunion said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX XXXX my name and old addresses and a social security number that isn't mine.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Chase Card Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Chase has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Chase Card Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Chase Card Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Chase Card Services must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Lexington law firm was paid to fix my credit an did nothing no letters were sent out to creditors an no change was made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was told that my mortgage was denied because I missed a few months payments on a loan of about {$2000.00} because I was unemployed at that time 7 years prior. The loan was paid in full and my credtit was great across the board. They also denied my appeal when I stated the reason and provided documentation that all of my student loans were in good standing. I also applied for a credit limit increase months prior but was told I reached the credit limit Navy federal was able to provide account holders at {$2000.00}. Yes, only XXXX XXXXXXXX XXXX. This flat out LIE on top of my mortgage denial feels racially motivated and discriminatory. 

See email sent to XXXX on XX/XX/XXXX regarding denial below : Per our conversation, you informed me that the principal reason for denial was because of the history on a micro-loans I had with another lender probably a good 7 years prior. At the time of those loans defaulting, I was no more than XXXX XXXX XXXX and had lost my job so I was unable to make on time payments. Fortunately, I was able to find the means to pay ALL of the balances in full within the same year. Since then I have had 100 % payment history across my entire credit profile with the exception of my student loans which hadn't been updated at the time I submitted this application, but as of today they are all in forbearance until XX/XX/XXXX ( See attached document from loan servicer ). Any inquiries on my credit profile are a clear indication of my ongoing effort to ask you, or any other lender for higher limits and credit lines in general just to reflect that I am a responsible and have vision for my future with that particular financial institution. I have low if not a XXXX balance on my credit cards including the one I hold at NFCU. With all of this in mind, I feel it is unfair to deny me the opportunity to purchase a home when I have done nothing but try to build a solid, long standing relationship with Navy Federal. Also, I ask that the underwriting department keeps in mind that I am a licensed agent making me very familiar with the bouts home ownership in general, fair housing laws, and of course the closing process in general. I say that to say you can rest assured this will be a smooth transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: HI

Complaint narrative:
XXXX XXXX XXXX Ombudsman letter submitted to Creditor, Experian and XXXX in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.

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 2023-12-17 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: FL

Complaint narrative:
Hi there, When I pulled my credit report, I discovered a ton of inaccurate personal information. XXXX XXXX should be my only name. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX is my only address. 
Only XXXX XXXX me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXXXXXX XXXX Cash app embezzled XXXX dollars from me. 
They double charged me moved my money with out permission charge excess of fees made fraudulent purchases and refuse to acknowledge it and refuse to reimburse me. There are many mistakes viewable on my balance sheet and activities page. They have taken access to my accounts and wallets that are not attached to them. They have sales I have been involved with on their ledger and no time was cash app involved whatsoever. They owe me numerous times over just in this one week. I will attach the balance ledger given to me. Which has bogus charges and purchases and fees attached. I see trips and purchases I don't know of. As in with video surveillance still you can not see me making the transactions. Also they do not list transfer I did make. The amount is XXXX total of XXXX $ due to me and I get no answer. There are charges and purchases and cash app was not involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: FL

Complaint narrative:
Hi there, When I pulled my credit report, I discovered a ton of inaccurate personal information. XXXX XXXX should be my only name. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX is my only address. 
Only XXXX XXXX me.

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 2023-12-17 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I contacted LVNV FUNDING LLC for 100 % VALIDATION and 100 % PROOF OF CLAIM and did not receive a response to the below listing on my credit report. 

LVNV FUNDING LLC Last reported XX/XX/2023 {$10000.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. 

Despite providing XXXX XXXX XXXX XXXX with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

XXXX XXXX XXXX XXXX must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

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 2023-12-17 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. 

Despite providing XXXX XXXX XXXX XXXX with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

XXXX XXXX XXXX XXXX must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

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 2023-12-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
i was sent a American Express gift card for XXXX from my father for XXXX i tried to use it at XXXX both items i ordered were under the XXXX limit. it was denied over XXXX times. when i caleed am ex they were very rude and said they couldnt do anything because XXXX put a hold on it. When i called XXXX they told me that it was american express who had the hold on card so i cancelled all orders with XXXX now am ex refuses to refund the money to my card i would like my money refunded for the fact i couldnt use the card

Company response to consumer: Closed with monetary relief