vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX uwm has violated the TCPA, FCRA and reported false information to the credit bureaus damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One introduced a new category of savings account with minimal notice and using a product name ( 360 Performance Savings ) very similar to their existing product ( 360 Savings ). Having had my account with them since my previous ING Direct account was purchased by Capital One, I presumed that they would continue to adjust the savings interest rate as ING had done previously as had Capital One. Instead, they only raised interest rates for customers who created a new type of savings account. This deceptive bait-and-switch caused me to lose out on at least several hundreds of dollars of potential interest, and would have also changed my overall investment strategy. I only realized this issue when reading news reports about this in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My Freedom Mortgage ( XXXX ) loan has an escrow account to pay for home insurance. My policy expired in XX/XX/XXXX, and I was notified that no payment was made to renew the policy. I called Freedom Mortgage at that time and gave them the payment and account information for XXXX in a recorded phone conversation. 

XX/XX/XXXX, I was surprised to learn that my XXXX policy had lapsed for non payment, but could be reinstated. I coordinated a 3 way phone conversation with Freedom and XXXX from which Freedom acknowledged they would pay to reinstate the policy. This conversation is on record, and can be verified, as one of Freedom 's agents did for me. 

At the end of XXXX, I learned that my XXXX policy was never paid or acted upon after the XX/XX/XXXX call, and Instead I was placed on expensive Lender Forced insurance because they claim, XXXX notified them that I had canceled my policy. This is untrue. I am asking Freedom to reimburse my escrow account the Lender Forced insurance fees but they refuse and do not produce the document to back their false claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. 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 2024-02-04 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$820.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: SD

Complaint narrative:
On Wed XX/XX/XXXX I got a text saying {$98.00} for XXXX plus membership was charged on my card. It first national bank of omaha card. I marked it as unauthorized charge cause I didn't make the charge cause I didn't buy a membership from XXXX. Someone had a copy of my card. I called the bank and closed my card and there sending me a new card. I just want my {$98.00} back on my card or account which idk if the bank can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: KS

Complaint narrative:
I was informed that I would be sued if I did not pay the debt I asked for proof of the debt and I only received a letter requesting my tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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:
Transunion, XXXX and XXXX. XXXX XXXX has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of Transunion and XXXX reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: TN

Complaint narrative:
XXXX, Equifax and XXXX. XXXX XXXX has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of XXXX and Equifax reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Acceptance, LLC
State: KS

Complaint narrative:
I was informed that I would be sued if I did not pay the debt I asked for proof of the debt and I only received a letter requesting my tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has violated the TCPA, FCRA and reported false information to the credit bureaus damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
My home loan ( Loan number XXXX ) with XXXX XXXX XXXX XXXX XXXX, was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a XXXX XXXX on XX/XX/XXXX that was filed in the XXXX XXXX. The XXXX was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. The title company the mortgagor used to prepare the XXXX was First American Mortgage Solutions, XXXXXXXX XXXX XXXX, Idaho XXXX, ID XXXX. The release of lien was performed by XXXX XXXX, XXXX XXXX. 

I sent an email to the title company ( XXXX ) on XX/XX/XXXX and received the following email message from FACA-RA-questions.cleanfile, stating the following : " Hello, Please contact the lender, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for assistance with your below request. 
Thank you. '' I did not notice this until I went through a nearly three-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX XXXX 

I need to have the original release of XXXX filed in the XXXX XXXX of XXXX immediately and a new XXXX  ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call XXXX XXXX XXXX, XXXX, they were unable to connect me to someone who could help because they did not show my loan number. XXXX XXXX XXXX was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to Bank XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to XXXX XXXX XXXX. 

Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora Credit is currently servicing my XXXX XXXX and Destiny Credit M/C account ( s ). I recently received an alert that the address on my profile was changed to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. The address change was never authorized by me. When I inquired about this change, no one at Concora Credit could, or to date inform me as to who authorized the address change or provide me with any explanation as to how this happened, in addition, they forwarded my personal account information to the changed address without my authorization, and even after I alerted the company of this unauthorized change, Concora Credit continued to send my mail to the unauthorized address. Additionally, an unauthorized individual opened the mail parcels and reviewed my personal account information, thereby compromising my personal account information. Additionally, the company in receipt of my personal information, not only have accused me of changing the address they have expressed their disdain for my mail being forwarded to their office. The credit reporting agencies ( XXXX, XXXX, and XXXX ) are refusing to remove the address, because Concora Credit ( XXXX XXXX and Destiny M/C ) is reporting inaccurate and unauthorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is todays follow up to the following cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/2023, thus it had until XX/XX/2023 at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/2023 through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My account was closed and I have not received the funds with the account balance.

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