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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently raised concerns about the inaccuracies in the provided information with XXXX, XXXX, and TransUnion ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently raised concerns about the inaccuracies in the provided information with XXXX, Experian, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
I sent a request to MOHELA for information on my PSLF history to be updated or instructions to update the information on XX/XX/XXXX. Their site says 3 business days for a response. Other sources say it could take up to a month for a response. I waited until XX/XX/XXXX before sending another message requesting the same information. I still have not received a response. I sent another message today, XX/XX/XXXX. I am now taking the complaint to the CFPB to hopefully get somebody's attention at MOHELA. 

PSLF requires 10 years of qualifying payments. I have been paying since XX/XX/2013. I have worked in XXXX XXXX since XX/XX/2013. I have certified my employment. They claim all of the payments I made since XXXX were not qualifying because I had no charges due. I can assure you they absolutely were due and were paid. I have done my due diligence and am being ignored by a company that likely gets paid XXXX  if not XXXX of tax dollars to service my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had received {$11000.00} from my XXXX XXXX and they said the money was too much to be deposited in one month they need verification ID I did give my state XXXX card and ssn but they refused to give my balance money on the account thats why Im having you involved to get my funds out they have about XXXX on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Was told that my credit score was high enough to apply for aXX/XX/XXXXyet it wasn't and I was denied and it made my credit score go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a vehicle loan application submitted to Global Lending. This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud.

The details of my complaint are as follows : Vehicle Loan Application : On XX/XX/2023, I submitted an application for a vehicle loan to Global Lending. To my surprise, my application was immediately denied. 
In response to the denial, I sent a certified letter to Global Lending seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference.Despite sending the certified letter, I have not received any response or communication from Global Lending. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

Securities Fraud Concerns : I believe there may be potential securities fraud involved in this matter. Global Lending has a published 10-K annual filing and an indenture agreement with XXXXXXXX XXXX  XXXX While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I realize the application says it can be transferred, but the application does not say that they can deny you access to your credit, then sell your security on the commercial paper market, earn a profit from my application because it is pooled into assets backed securities. They also violated equal consideration. The applicant was accepted when it was sent, they accept it but then denied, so credit should have been issued. 

I am filing this complaint with the CFPB to request a thorough investigation into Global Lending 's denial of my vehicle loan application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations.

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether Global Lending has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Hanna Holdings Inc
State: PA

Complaint narrative:
: I filed with XXXX XXXX XXXX  and they said she did violate my rights and ethics code violation. XXXX XXXX has tons of violation. I also found out she charged me fees that I had no idea about. And the seller of the house I bought didn't tell me of issues that had happened prior to sale. So far I have spent a ton of money fixing things he did not tell me about. I also filed with XXXX XXXX XXXX and he ignored the complaint. XXXX was not working as my agent should have. I also found out she illegally took money from me that was never talked over or authorized. I have paid more of my money that should not have happen.She also threatened to end the sale after I refused to pay a 3rd party. I was given a very bad deal.I also paid XXXX over the price for a washer, dryer and stove.The items did not work. I ended up having no choice but to buy new items. I was also not told truth about the cost needed to be replaced. I am limited income and so far all my money was taken by XXXX XXXX and the home owner.I bought this home in XX/XX/2023. So far in just replacements, trash removal, fixing the entire home electric installed a hearer, redid the pipes, bought a new stover, washer, dryer and fridge.I have paid over XXXX. And more in the mean time.So I am seeking to sue for her fee of XXXX plus, all the money that was put into the home so far and to come. Due to her negligence.

Company public response: Company disputes the facts presented in the complaint
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to get Experian to remove my name an put my correct name on my credit report XXXX XXXX XXXX XXXX on my credit report and remove XXXX XXXX XXXX it's not my name and is not associated with my social security number

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:
Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
They reported the account 30 days late on the XXXX of the month. See attachment please correct asap.

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 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Hope you are doing good On XX/XX/2023 ( 2 month ago ) I tried to do XXXX XXXX and i was searching on XXXX and found one company which it was so professional and i emailed them, they responded professionally and they provided me some services with price which i attached on this complain And request them for services and they promised me to do the XXXX job in 30 Days and after 3 weeks of contract i tried to contact them but nobody didnt respond and they didnt even answer the phone And i waited till 30 day as of they promised on contract to do the job and after 30 day tried calling them again but no Respond I opened a dispute claim and also fraud Claim with CITI BANK and sent all information including emails and Contract but they refused to pay back and still showing investigation on your behalf and no body doesnt give me any information in this bank, someone scammed on me and fraud me and they steal my money and i Cant do anything and the bank refused to pay back and also they remark my credit report what it wasnt my Fault that they scammed me and someone fraud my money and stole it Please please fallow up and investigate this issue The company name is XXXX XXXX And amounts charged and dates is : {$3700.00} XX/XX/2023 and {$9500.00} on XX/XX/2023 Dispute claim opened on XX/XX/2023 And fruad Claim opened on XX/XX/2023 Which the scammer mentioned on contract they will refund full amount if the customer didnt get any services and I didnt get anything even phone answer Also invoice screenshot has been Attached on this Claim Thank you

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 monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 925 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After a recent article came out with XXXX investigating NFCU about its denial of more than 50 % of its XXXX loan applicants and approving 75 % of its XXXX loan applicants. I beleive that all of my loan applications since 2020 have been denied based solely on my race ( XXXX ) and not based on my credit score and level of income. 

In fact most of the applications will not even let you complete it after using demographic information such as a social security number. A social security number contains all demographic information needed for a the application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently raised concerns about the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief