vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: AL

Complaint narrative:
I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I PURCHASED AN XXXX XXXX XXXX ON XX/XX/year>. IT WAS ADVERTISED AS LIKE NEW. I RECEIVED IT IT WAS BROKEN AND MISSING PARTS. I FILED A COMPLAINT AND XXXX REQUESTED THAT I RETURN THE ITEM BY XX/XX/year>. I RETURNED THE ITEM ON XX/XX/year>. 

XXXX STATED THE RETURN WAS INVALID. I CALLED ON XX/XX/year> AND SPOKE WITH XXXX SHE TRANSFERRED ME TO HER SUPERVISOR XXXX AND I WAS ADVISED THAT THE TRACKING NUMBER I PROVIDED MATCHED THE SELLERS TRACKING NUMBER. I EXPLAINED THAT A XXXX EMPLOYEE ENTERED MY RETURN TRACKING NUMBER AS THE SELLERS TRACKING INFORMATION AND THE TRACKING NUMBERS ARE NOT THE SAME. 

SHE CHECKED THE INFORMATION AND ENTERED THE CORRECTION AND TOLD ME THAT I WOULD RECEIVED A FULL REFUND FOR THE RETURNED ITEM. SINCE THE SELLER DID RECEIVE THE ITEM. I HAVE NOT RECEIVED THE REFUND AND I STILL OWE THE {$110.00} ON MY XXXX ACCOUNT AND THAT SHOULD HAVE BEEN CREDITED OFF AND I SHOULD NO LONGER OWE IT SINCE I RETURNED THE ITEM.

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 2024-08-23 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: MO

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. 

TransUnion : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, has violated my rights. 


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 2024-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct.

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report.

Here are the inaccuracies I have identified : Account Name : GENESIS CRDT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Creditor agreed to delete Instruction : The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from my credit report. after entering agreement with the creditor that will have me paying XXXX XXXX weekly. creditor agreed to deletion or removal of this item., Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
I am writing to disputed Acoount on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 156 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-23 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: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )

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 2024-08-23 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: CA

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX, I paid an additional {$81.00} to BSI Financial in addition to my monthly statement amount. I was told verbally of this charge on XX/XX/XXXX when I made my monthly payment. Since it was not on my statement, I asked to receive the request in writing. I have requested this information to be sent in writing 3 times. In addition, I have requested clarification by writing to XXXX and sending a message through my portal on the BSI Financial website. I have not received the documentation that I requested. Although the additional {$81.00} was not on my statement, and I received no written request or explanation, my account was shown as past due until I paid it. Please send an explanation of this additional charge in writing. Also, please explain whether or not this {$81.00} being considered past due will result in a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Do not bother to send this complaint to NewRez. This is about CFPB as messenger, not solver of problems. I have had mortgages for many years but I have never had a mortgage company threaten and XXXX me over what I am supposed to pay them. I have paid my own taxes and insurance for years. Within a few months of them taking over from XXXX they threatened me with a {$2000.00} flood insurance premium if I did not get insurance myself. My insurance paperwork shows a map indicating I am not even CLOSE to a flood zone, nevertheless I had to buy insurance and got it through XXXX at a much reduced cost. I expect with their unholy control to make me buy hurricane, earthquake and any other problem they can dream up. I have paid my own taxes on mortgages since the onset in the early XXXX. They, however, are trying to make me pay THEM to pay MY taxes. I refuse. I paid my normal amount in XXXX on time, yet received 'no payment ' notices from NewRez. I called and spoke with an agent who told me I could pay the 'tax amount ' and get a refund. There is NO WAY IN THE WORLD I would ever give them money for nothing and expect a 'refund ' some ... day. I had no idea mortgage companies have this new found vicious control over my mortgage. I will fight them and win, but obviously not with help from CFPB. Don't bother to forward this to them, I don't want any more gibberish about why they are allowed to threaten and bully. Too bad you won't help CFPB, too bad mortgage companies are allowed to do this, it is truly incredible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
In the CFPB complaint XXXX, the company did not respond to the issues addressed in that complaint regarding illegal XXXX of federal XXXX income prohibited under 42 U.S.C. 4507 ( a ) and are still illegally garnishing federally XXXX and exempt income, no of that was addressed in the companys response and what the complaint XXXX was directly pertaining to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WY

Complaint narrative:
Navy federal credit union account # XXXX and XXXX is reporting inaccurate inconsistent information on my credit report and is negatively affecting me to obtain new credit.acording to the fair credit reporting act I'm entitled to 100percent accuracy and this company is violating my federally protected rights.i demand them to delete this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 2024-08-23 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: CA

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.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: WY

Complaint narrative:
The following account is reporting inconsistent and inaccurate information on my credit report and is violating my federally protected rights under the fair credit reporting act the furnisher shall report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inconsistent and inaccurate information I demand them to delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
Over the previous year, the office of financial aid introduced the XXXX plan, which is great because it considers my current financial situation. 

My servicer is MOHELA. 

As soon as the plan was introduced I got on the XXXX plan with my loans. There wasnt any issues here. 

Later on, word was going around encouraging borrowers to consolidate their federal loans to maximize potential forgiveness and benefits. I applied to consolidate, in the application I specified that I wanted them to be consolidated into the XXXX plan, which again, the loans were already in. 

The consolidation process takes 3 months with no word from MOHELA. Its transferred from to aidvantage and then back to MOHELA. Again I am not notified in any sense regarding this process, I only learned that the consolidation had completed via checking their website myself. And in doing so I learned that I somehow had a balance due. As it turns out in the consolidation process, without any word to me on this, they had changed my payment plan to be their default payment plan, which is too expensive for me, and holds none of the benefits that I previously had. 

I have reached out to MOHELA weeks ago, submitted paperwork requesting my plan to be adjusted, and there has been no word back from them. I reached out to customer service via their messaging system, and I have got nothing. 

Had I been made aware that I wasnt going to be on the same plan following consolidation, I wouldnt have applied for it. They havent communicated at all regarding the process. This process has been extremely frustrating and distressing for me, especially because it affects nearly {$30000.00} in student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my rights under 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't furnish an account without my written instructions. Under 15 USCs 1666-B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with non-monetary relief