vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

4.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry 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 2023-11-08 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: TX

Complaint narrative:
I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing Experian and XXXX if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that Experian and XXXX follow suit.

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 2023-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX is stating the amount is {$110.00} not {$160.00} so this company is scamming me and attempting to collect the wrong amount. XXXX also gave me the number to diverse adjustment and is attempting to cover the entire bill due to the modem being returned and no other payment should be owed. I spoke with XXXX from XXXX on XX/XX/. Because the modem was recieved on XXXX XXXX XXXX it will take a month for the bill to reflex and remove the balance on the account so XXXX was attempting to credit the full bill so that I may re-open the account. The collections agency refuses to speak with XXXX  and refuses to adjust the bill. They are forcing me to pay them money even though the client is attempting to remove the bill!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: PA

Complaint narrative:
I XXXX XXXX have some fraudulent inquiries appearing on 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 2023-11-08 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: NY

Complaint narrative:
I found inquiries on my credit report that do not belong to me

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO

Complaint narrative:
Through purchasing my home and mortgage, the company has not taken XXXX payment through the closing fee but said I would get a link provided to process that payment. I have asked multiple times to process payment. My mortgage lady was like " XXXX XXXX XXXX XXXX myself on it I'll send it again '' but that link hasn't gone through, no call no communications. I processed a payment through the mortgage website. To receive a report from XXXX XXXX on my account being Delinquent Account for over 90 days. First of all, I moved to my home on XX/XX/XXXX. My XXXX payment was supposed to be on XX/XX/XXXX, but my account that is with the mortgage company kept stating XXXX, which I paid on XX/XX/10. Turned out that that didn't go in as XXXX payment but XXXX and me still missing my XXXX payment, which is paid now but 37 days late, but not over XXXX, including that my mortgage people left me XXXX they did not do their due diligence for me as a client. The communication has not been clear, it has been disorganized & mismanaged. Here is all the evidence that it is impossible that I failed to pay over 90 days and that my credit score went from XXXX to a fair. I would like to get my credit score fixed to what it was as I have been working extremely hard to keep it intact through many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: SC

Complaint narrative:
Subject : Urgent Follow-Up on Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to express my deep concern regarding the unresolved matter of two fraudulent accounts that I previously brought to your attention. Despite my initial request and submission of an Identity Theft Report, along with a filed police report, there has been no action taken to remove the fraudulent accounts from my credit report. I am providing a detailed statement to bring this matter to your immediate attention. 

Account Details : XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$390.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3400.00} Previous Correspondence : On XXXX, I submitted a formal request to have the aforementioned fraudulent accounts removed from my credit report due to identity theft. This request was accompanied by an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report submitted to [ Law Enforcement Agency ]. However, despite the seriousness of the matter and the supporting documentation provided, no action has been taken to rectify the situation.

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 2023-11-09 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: FL

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 Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-11-09 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I have an unauthorized hard inquiry on my account from Mercedes Benz Financial dated for XX/XX/2023 that I did not authorize and would like deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Climb Credit Inc.
State: VA

Complaint narrative:
The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: HI

Complaint narrative:
On XX/XX/2023, I received a letter from my loan servicer, MOHELA, via USPS, regarding forgiveness of my loan ( s ) in full ( see attached ). The letter states that the entire balance of my loan ( s ) have been forgiven in full. It also states, on page two of the letter, that MOHELA has or will " by the end of the month '' notify " all national credit bureaus of [ the ] student loan forgiveness ''. However, MOHELA did NOT notify the credit bureaus of the forgiveness by the end of that month, and my account balance and account status continue to show the full balance due and an active and open account. On XX/XX/XXXX, I submitted a dispute with the credit bureaus, and provided the information sent to me by MOHELA, including a copy of the letter I received, referenced here. The credit bureaus investigated and contacted MOHELA. The credit bureaus investigation reported that MOHELA affirmed to them that the information MOHELA was reporting to them regarding my loan account balance and account status was accurate and correct, when in fact, it is not - per their own letter to me and the account balance showing currently on the MOHELA account system. I then contacted MOHELA directly. MOHELA representatives told me via a phone conversation on XX/XX/XXXX that although my loan has been forgiven, in full, and the account balance IS XXXX, that reporting that information to the national credit bureaus would take up to XXXX  days. I pointed out that the response contradicts the information in the letter promising that they would report the change to the credit bureaus " by the end of the month ''. I was then told that MOHELA would not be " expediting '' any reporting, and again was told that it could be up to XXXX  days, which would be by the beginning of XXXX. It is no well past the beginning of XXXX ( past the XXXX  days ), and MOHELA continues to report inaccurate information on my credit report to all major credit bureaus, showing an active loan account with a full balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX asked for a down payment of {$5000.00} violating 12 CFR 1026.4 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; Also pursuant to 15 U.S.C 1666f it states that with respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously. Therefore, you are in violation of federal laws for EXTORTION me to paid a down payment. 


my right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, also named has failed to clearly & conspicuously disclose my right to rescind ; I XXXX XXXX participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ; Take further notice that 20 days after your receipt of this notice you must return any money, or property given to I the consumer, and also terminate and reflect that termination of the security interest placed on the property which in this case is XXXX XXXX XXXX XXXX XXXX  # : XXXX NOTICE OF RESCISSION Attached also find a power of attorney revocation for this transaction. Now the agent and principal XXXX XXXX has full Power of Attorney in fact over XXXX XXXX and can take any necessary decision if needed. 

I XXXX XXXX has also the full Fiduciary control over XXXX XXXX to represent it in any process and or legal 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 2023-11-08 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:
I have gone back and forth with Transunion about an account reporting on my Credit Report from XXXX XXXX Acct # XXXX in the amount of {$780.00}. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX forced to do things that i did not want to and beaten when i did not comply. Transunion has taken no consideration into my circumstances, nor do they care in anyway about their customers. They are still reporting a debt that is not mine, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX  XXXX and abuse. They also ignored police and FTC reports claiming that i am a lier. They also have not provided me with any documentation on how they verified the debt was accurate and belongs to me after i submitted multiple method of verification letters certified so i know they recieved them. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. Yet XXXX  XXXX in not only a horrible company. They do not care these issues impacting women and victim 's of 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
Dates are XX/XX/2023 and XX/XX/2023 and possibly for XX/XX/2023 Im struggling still to make payments due to job loss and no wages to pay my mortgage and vehicle and maintain my utility bills. Ive gone to Community In Action, XXXX and I feel like theyre always closing doors. I can never get help from them. I want to keep my home I havent been a few Monday hopefully to get the job but Im not giving up and looking for work still its been hard and tough. Im a single mom, I have faith that I will get a job here soon. God is good please help me financially to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I do not have a contract with this company nor can they provide me with a contract. They are not allowed under the consumer laws to collect a debt from me. 

Account # XXXX

Company response to consumer: Closed with explanation