vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
An inquiry on my TransUnion account appeared at XXXX on XX/XX/2022 from XXXX ( XXXX  ). I contacted TransUnion and was told to notify the FTC and the organization that made the inquiry. I have notified the organization ( XXXX ) that this activity was fraudulent and was neither performed by or authorized by me. I did not apply for a XXXX XXXX. The company stated it can not cancel the application as it is pending. I have also requested confirmation that this will be removed from my credit report as it is fraudulent for which they do not seem to understand.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is consistently misreporting my credit score as if this is an angry XXXX poodle pretending to be human. 

My XXXX is XXXX but they are misreporting it. 

My Transunion is XXXX but they are misreporting it. 

This falsely lowers my XXXX score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I filed XXXX XXXX XXXXXX/XX/XXXX, and I was discharged on XX/XX/XXXX. BMW open this account on XX/XX/XXXX which is stated as open in the amount of XXXX. This made my credit score go down XXXX points. How can the report something that was completed in bankruptcy. Please Review attachment : XXXX XXXX BMW FINANCIAL SERVIC Reported : XXXX XXXX, XXXX {$24000.00} Needs Attention Overview You have XXXX XXXX left to pay on this loan. 

Balance {$24000.00} Highest Balance No Info XXXX  payment {$610.00} Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status XXXXXXXX XXXX Late Worst Payment Status XXXXXXXX XXXX Late Account Details Account status Open Type Auto Responsibility Individual Account. 
Remarks Fixed rate Times XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am the XXXX for the XXXX of XXXX XXXX. I have attempted to contact Freedom Mortgage and no one has been willing to speak with me. The account is still under review. I will refer to Freedom Mortgage as " FM ''. The first court ordered document that I submitted to FM was on XX/XX/XXXX. The second set of court ordered documents and my ID were submitted to FM on XX/XX/XXXX. As requested by FM 's service team, I had to wait for someone to review the documents. I was told to call back several times. Then I was told the documents sent on XX/XX/XXXX were never received and that I had to wait for the review to take place. I emailed the documents on XXXX. I have been waiting to speak with someone regarding the account and then find out that the property was being foreclosed on. I was told on XX/XX/XXXX ( by FM XXXX team ) that I would be able to make a payment on the account ( no one before was willing to help me handle this account ), that I would need to bring the account current and suggested to add an additional " about {$500.00} '' to the payment. I was given the wire information. I submitted the funds on XX/XX/XXXX. I have actively been attempting to speak with someone regarding the account to get the account current, to get account details and to handle the estates property. This is already a stressful time, having to deal with a loved one who has passed away. The process I have been put through dealing with FM has really been overly stressful. I have been active in getting everything that FM needs but I have not been given the same respect. To make matters worse, FM did not wait a few days for the review to be completed before marking the account as an Active Foreclosure, this just adding more stress. I have been active in getting the account taken care of. I sent the first court document on XX/XX/XXXX, second court issued documents and my ID on XX/XX/XXXX. I sent the documents again on XXXX. I called again on XX/XX/XXXX and no one is willing to speak with the. The account is still " under review '' and they are still not allowed to speak with me. 
Finally was able to speak with someone regarding the account and was able to make a payment but I was charged over {$1700.00} in fees. 
I would like to request for these fees to be waived since I actively was attempting to handle this account for the XXXX. I called several times a week and I kept being informed the documents I sent were still under review.

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 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc.
State: TX

Complaint narrative:
Starting XXXX weeks ago my account has been locked up with cash app. I've sent pics I'd. This issue been going on for going on XXXX weeks. Cash app has all my information and still won't unlock my account. I've provided you everything I provided cash app.i want my account unlocked to release my funds. I have a sick daughter and I can't get the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: RI

Complaint narrative:
I have a buy now pay letter loan with Klarna that I was intending to payoff in the 3 months before interest kicked in. It is for a 24 month term and I intended to prepay in bigger than minimum payments as the truth in lending disclosure states there is no prepayment penalty. 
When I went to make a bulk payment of {$1000.00} I wasn't allowed. I could either make the minimum payment of {$98.00} or pay it in full for {$2000.00}. 
I reached out to customer service to say I wanted to pay as much as I could before interest kicks in and they told me I had to make seperate {$98.00} dollar payments each week instead of a partial of a XXXX. Doing this would mean I would have to pay them interest on a much larger balance. This is cumbersome and it only lets you make one payment per week which means I wouldn't even be able to pay {$1000.00} in the month. Making it nearly impossible to pay the loan off before accruing interest. 
This is an unfair, deceptive, and abusive practice. They put everywhere, prepay to not pay interest, that is their whole scheme- yet when you go to do it you get pushed into paying them interest by not realizing you can't make bigger payments to make that possible. 
This lender is negligent and causing harm to consumers by overcharging them interest by not allowing them to make partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX when I receive the notice that they were going up on my mortgage from XXXX to XXXX. Effective in XX/XX/XXXX. Wells Fargo stated that I had again another shortage this is 4 the increase in payment I have been paying shortage for the last 2 years and the house isn't worth it. I submitted the application as told however this is effecting my credit they have taking the regular payment of XXXX. Plus the additional XXXX which will total the new amount XXXX they are still going to report me as none payment to the credit bureaus. Why take the consumer payment and not work with them as well as taking their money. Just advise foreclosure so the consumer can use that money they paidyhem to move. I am trying to work with this company and they shouldnt take any payments if you will not assist them when they are having financial issues.

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 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I received a collections letter for XXXX  XXXX XXXX  which is the XXXX  I attend. I have a full scholarship and have not been asked to pay anything. I am not aware of this debt or what is it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have never filed a XXXX XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hello, Good morning, my name is XXXX XXXX and I have a credit card with navy federal for about 2 years now. In 2021 is all when the fraud started with this card. We have asked the company repeatedly to not share our card number or send it virtual in an email is it can be compromised. Of course they did do this and the card was used in XXXX and XXXX. My husband and I are showing almost XXXX of debt on there for 80 % of charges we did not complete we have tried to look at everything and go purchase by purchase but it is too difficult to identify which purchases we made vs. Fraud. We are seeking at this point a settlement amount and the account closed. This is not fair to us as the customers to have over 10 fraud obstacles. We have been beyond frustrated and exhausted all energy. But with a XXXX XXXX paying off for what others have used we will not be doing that. We have not disputed this or reporting most because as stated above we have no clue what some of these charges are. We have charges for overseas prices. This should be caught in the first place. As stated above we are seeking a payoff amount so this does not go to our credit for our future house but we will not be paying this unless there is an agreed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: CA

Complaint narrative:
I need to work on this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, 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 did not give you written consent to furnish my consumer report to my local child support agency. This is illegal to communicate according to 15 usc 1681b. Show me the proof i gave you my written consent as i have never given any court or a consumer reporting agency to communicate amongst each other regarding my consumer report. This is identity theft by you doing so and i am demanding deletion as a consumer and natural person because my rights are being violated.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CT

Complaint narrative:
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: IL

Complaint narrative:
XXXX Bank XXXX my account without my knowledge or consent on or about XX/XX/XXXX. As of XX/XX/XXXX, XXXX Bank has not contacted me nor restored access to my account or its funds, despite my repeated telephone calls requesting they restore my access. During the phone calls they refused to transfer the call to a XXXX and also refused to transfer the call to the security department. Others have reported very similar problems on XXXX Bank 's XXXX XXXX XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
TO WHOM IT MAY CONCERN.. One Main financial ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
XXXX XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX  Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 XXXX Bank XX/XX/22 Credit XXXX  XX/XX/22, XX/XX/22 XXXX XXXX Bank XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has NOT been reporting its accounts on time or accurately on my credit bureaus. 

Balances are wrong, last reported not accurate and some bureaus dont even have my US Bank accounts at all.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 explanation