vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: PA

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 confidentially under 15 U.S.C. 1681 has violated my rights 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. 

15 U.S.C 1681 Section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 2024-06-02 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting. Under 15 USC 1692G, Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed 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 2024-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted an online mortgage payment that was due on XX/XX/XXXX. I immediately received an electronic confirmation that my XX/XX/XXXX payment had been received and processed. On or about XX/XX/XXXX, I received a letter from the lender dated XX/XX/XXXX, stating that the lender had " received the funds to pay off [ my ] loan. '' Although my property address, Loan number, and FHA Sec/Case Number appeared to be correctly referenced in the lender 's XX/XX/XXXX letter, I was puzzled because I had not paid off the loan, had not discussed paying off the loan with the lender, and had already made important arrangements to celebrate with family and dear friends, the unprecedented occasion of me paying off my first home mortgage loan after what had been planned to be my final payment on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to the lender concerned that perhaps another borrower 's payment had been incorrectly applied to my account. When I called the Customer Service telephone number that appears on my monthly loan statement ( XXXX ), I was connected with " XXXX '' who explained to me, unsatisfactorily, that it is a " ... standard, and common practice for mortgage accounts to be paid off with the escrow whenever the principal balance is less than the escrow. ''

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I was decline paying for my hotel stay. XXXX XXXX  I attempted to withdrawal cash to service while looking for a job out of state. I selected the travel option on the customer service line. There was no reason to repeatedly flag small purchases. On XX/XX/XXXX approximately XXXXXXXX XXXX I visit a local ATM machine near the hotel extended stay. I was decline any withdrawal attempt. I called the bank and spoke with XXXX to verify my transaction activity, I ask was causes restricted flags on accounts. The gentlemen could not specifically explain. We then proceeded throu transaction verifying. After I verified no suspicious activity he said he needed to put me on hold while he remove restriction on my account. While he was doing that I walk to the corner gas station to make a withdrawal with no food in my room, I was hungry with a head ache. Upon arrival he asked again for my pin to account. I enter my info on the ATM and withdrawal was decline again. He then stated that there is some wrong with the chip. I noticed there was no error code beside that fact my card was just declined. The card is still in like new condition and the bank have constantly block me from getting food. I called the customer service a week ago so that they will have me on travel status there is no reason to consistently block me from getting food and paying for hotel stay. Please help me. My sleep patterns have changed for the worst. Last week when I was decline paying for the extended stay the rep constantly asked me the same questions about transaction after I was clear of verification including secret passcodes. Help the banks is forcing a legal consumer to detrimental well being. XXXX veteran benefits should not be withheld based on repetitive verification questions. Also, raising flags for restricted access for general activity can be used in the form of consumer spending management control for banks. 


Phone contact - XXXX XXXX - XXXX XXXX XXXX ext stay in XXXX. TN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: HW Holding, Inc
State: MI

Complaint narrative:
he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hunter Warfield INC : # 1 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
MOHELA changed my payment plan without my consent. They also billed me with one day notice not the 3 week notice. My loan was being transferred to the new site and they sent me a bill before I could even log on because it was still not fully transferred. 

Today they sent a letter saying my payment plan had been changed, but I never initiated a plan change and I did not consent to this. 

They removed my SAVE plan just so they could charge me more. My bill will go from {$200.00} to over {$1500.00}! 

I need my SAVE plan restored and not for MOHELA to freely change my payment plan without my consent. I see this has happened to numerous other people as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b

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 2024-06-02 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: MO

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed 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 explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I'm unable to log into my account with Toyota Financial Services. The pop up screen states " Something Went Wrong! Looks like there's en error on our end. We apologize for any inconvenience. Please Try Again '' On XXXX I tried to log in with no success. I called Toyota Financial Services and spoke with a representative. She had me change my password but still no success. She said she would escalate the problem and notify me within XXXX business days. Well this didn't happen and the problem still exists. 
On XXXX I called Toyota Financial Services again to see what the status was, they pretty much ran me around the same questions and answers I got the first time I called them. Still no success but I did get an open ticket number which is XXXX. 
On XXXX I drove out to the Toyota dealership here in town and spoke with XXXX of their representatives and she was able to get me into my account to at least see the status of my loan. She did say that a lot of people are having issues with Toyota Financial Services and are driving out to the dealership for help. I'm still unable to access my account either by going to XXXX or by the App I have on my phone. I've looked at all the reviews out there on line about Toyota Financial Services and they aren't good by any means. I'm beyond frustrated and hope someone can help me out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed some items with Equifax Credit Bureau they still have not corrected it, but instead brought my score from a XXXX to a XXXX with no changes reflecting this. Please help me ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and i'm writing this email to complain against citi bank for blocking and unsling my account for absolutely no reason. on my XXXX XXXX  i went to the branch on XXXX  NY XXXX due to my account being blocked for no apparent. i deposit a check on XX/XX/XXXX for the amount of {$50.00} from a company that i had sold my grandfathers vintage instruments to. the money was available on XX/XX/XXXX and i transferred the to my saving that day and my account was blocked automatically. i went to the branch in XXXX  and i was there for XXXX. they called costumer service and they unblocked my account. the next day XX/XX/XXXX they blocked my account again i went i called the fraud department a XXXX number and they told me they couldn't provide me with any information in regards to my account to go back to the branch which i did. 
the branch couldn't provide me any information in regards as to guy my account was force. i called costumer service again as i was still in the branch and they told me i would have to wait 24 hrs for my account to be available in order to have access to my account they issued me a new card which i got. i called costumer service to active because i couldn't log in the app and they told me they couldn't activate my account because my account is froze. ONCE AGAIN. 
i worked hard for everything i have and all the funds i had in my account and now im being robbed for all the money in my account i need answers and i need help getting the funds out of my account immediately. every time i called costumer service and the fraud department they told me something different they been playing with my account because of the amount of money i have in my account and it's extremely upsetting i've been a member with citi bank for XXXX XXXX  years and i have never experience anything like this 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 2024-06-02 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
NOT THE FIRST TIME THEY TRY TO CHARGE ME MONEY THAT I DIDNT SPEND, I REPORTED AND THEY DONT HELP ME. {$360.00} FROM SAMS CREDIT CARD/SYNCRONY BANK

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 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
My name is XXXX XXXX, and I have been a customer of Security Finance with the following account numbers : XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit report, I discovered that several of my installment loans with Security Finance have been inaccurately marked as late payments. 

I have diligently adhered to the repayment schedule outlined in my loan agreements, making all payments in full and on time. However, despite my consistent and timely payments, Security Finance has erroneously reported late payments on my credit report. This misinformation has had a detrimental impact on my credit score and financial well-being. 

I have taken the necessary steps to address this issue directly with Security Finance, I have reached out to all credit bureaus as well as contacting Security Financial. Unfortunately, my efforts to resolve the matter with Security Finance have been unsuccessful thus far. 

I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address this issue and uphold consumer rights. Please keep me informed of any developments or actions taken regarding my complaint.

Company response to consumer: Closed with explanation