vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed unauthorized credit inquiries on my 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 2024-03-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Started a claim with XXXX XXXX against Santander bank to correct the issue. Came back as updated but nothing changed. Filed a second time with XXXX XXXX and spoke with XXXX XXXX directly on two occasions. Dispute Came back a second time as completed but nothing was changed. The Santander bank confirmed the loan is for a mobile home with no real estate and land is owned by town of XXXX. I want them to show the loan for what it is. They are listing it as second mortgage which is not lawful as it is merely an installment loan on a mobile home. I believe they purchased the loan from XXXX XXXX  originally and the classified it as a mortgage for their own benefit or bookkeeping. The classification of a second mortgage implies Im over leveraged on my home mortgage as no address or information showing it is a mobile home on private land ( not owned by me ). This information is misleading, incorrect, and likely unlawful yet they will not change it as viewed on the credit report. A third dispute has now been filed with XXXX XXXX and they are requesting the information in writing but I have no hope things will change as it has not for last XXXX disputes.

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 2024-03-11 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: MD

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account Number: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 2024-03-11 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: PA

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
My account at XXXX XXXX XXXX XXXX XXXX is closed TransUnion keeps reporting that it is open with a 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 non-monetary relief
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I was using the Gemini company to place and order in for crypto just in case the crypto dropped below a certain amount. I made XXXX orders, XXXX of which went in correctly and the last charging me XXXX XXXX XXXX XXXX XXXX  not the amount of money I wanted to place in the coin. Because of this, I went and canceled the pending transaction when a {$50.00} order became a {$3500.00} transaction. Gemini still ended up withdrawing my money through an ACH transaction in which I called my bank to reject. Gemini responded by sending me an email that they froze my account due to the transfer error and told me to contact them. I've contacted them several times and have been ignored, while my money is locked up and unable to access. This is the problem I am facing. There isn't a phone number or someone to speak through, it's all through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
XXXX XXXX March XXXX XXXX XXXX XX/XX/XXXX Payment sent back XX/XX/XXXX. 

After they had said it went through and went back to XXXX $ in credit which I used by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir or Madam, I got a flyer from an attendant regarding XXXX XXXX XXXX credit card which says a new account can get XXXX mileage bonus points with spending of {$3000.00} during the first three months. So I applied the credit card in XX/XX/XXXX and started using it ( * XXXX ) as soon as I got it. I satisfied the spending but only found that Chase only offered me XXXX mileage bonus points. So I contact to Chase customer service ( XXXX ) XXXX XXXX on XX/XX/XXXX and was told by a gentleman that he would escalate it to the sales department. I got a mail dated on XX/XX/XXXX that my account isn't eligible for the bonus because the offer is transferable between accounts. So I called the Chase customer service again on XX/XX/XXXX and told a lady that it was a new card/account so I should get the bonus points. The lady then told me that I should report Chase mistake within 150 days since opening the account. I told her since I got the third statement in XX/XX/XXXX, XXXX was only one month after I found out Chase 's mistake. Moreover, since it was Chase mistake which didn't honor it offer/advertisement first. How could Chase expect a customer to find its error in time? She agreed with me and transferred the call to her supervisor. But after investigating the situation, the supervisor said he agreed with me but he couldn't correct the error. I feel like Chase has been cheating customers by the false advertisements, it wouldn't honor its promotion, and when customers found out, it wouldn't correct their mistakes. This is unbelievable to me! Therefore, I request Chase be investigated for similar frauds toward customers and correct its mistakes, as there must be many customers like me. Should there be any questions regarding to my case, just let me know. Thank you! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Innovis continues to report incorrect information on my consumer report. My name is XXXX XXXX my address is po box XXXX XXXX XXXX MI XXXX there should me no other information on my report it is incorrect and should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. I have no record of initiating or authorizing this inquiry. I have carefully reviewed my financial records and can confirm that I did not engage in any financial transactions with the creditors that would have warranted such an inquiry.

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 2024-03-11 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: TN

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: GA

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-11 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: GA

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.

has violated my rights. Or a list of inquiries : 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 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance to The Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aura Mortgage Advisors LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I lost my job unexpectedly. Over the next XXXX months I spoke with my mortgage company about a loan modification once I was back on my feet and in a stable position. In XXXX we entered into a loan modification which was very odd. I had to make XXXX payments ( XXXX, XXXX, and XXXX ) before the modification was finalized. I set those payments up as online bill payments and they were sent to the mortgage company 's servicer ( XXXX ). In late XX/XX/XXXX I received Foreclosure Paperwork from the county court. This was a surprise to me as the payments had been send and the XXXX payment was due to be sent. I contacted XXXX immediately and received no real response other than they would look for them. I contacted Aura Mortgage in XXXX to attempt to resolve the issue with them as I was getting nowhere with XXXX. I offered to cancel the payments that had now been sent through XX/XX/XXXX and pay another way such as a wire. I have not received a response yet on that. I sent the online bill pay receipts showing the funds deducted and payment sent to XXXX on XXXX XXXX, XXXX and as of today I have received no response. On XX/XX/XXXX I filed a motion in XXXX XXXX XXXX XXXX XXXX for relief from judgement and to reopen the case. I would still like to work this out directly and have the modification done as agreed in XXXX. 

To date I've met my obligations per the signed modification paperwork, XXXX and consequently Aura hasn't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: AL

Complaint narrative:
On XX/XX/XXXX I made a full pay off amount to EdFinancial services in the amount of XXXX to which they only paid XXXX towards my loan while the rest if left in limbo. I called and emailed them in XXXX with no actual response regarding the rest of my payment or when it will be applied. I called them again in XXXX and was told nothing outside of " I can see the request. '' Now due to this I am late on XXXX current payment I shouldn't have since I paid in full along with a payment due at the end of this month. EdFinancial is practicing unethical business tactics and I fully intend on pressing the issue if it doesn't get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: IL

Complaint narrative:
I contacted Hunter Warfield to discuss a collection account placed on my credit report. I cosigned for an apartment for a relative. She was in contact with them and is paying the debt but never disclosed to me the account was placed in collections. 

I never received a notice, phone call/email from Hunter Warfield notifying me of the debt and now they placed me in collections for a debt that I did not know was outstanding. I should have been notified if I'm going to be held responsible. 

They placed the collections on my account only and not hers.

Company response to consumer: Closed with explanation