vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: Opportunity Financial, LLC
State: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting in Accordance with Michigan FCRA Identity Theft Fraud Laws Dear Opps Loan, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 445.252, 445.254, and 445.255, the Michigan Identity Theft Protection Act under Sections 445.61 and 445.63, and identity theft fraud laws, specifically Michigan Penal Code Section 750.285.

It has unequivocally come to my attention that Opps Loan has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and state laws, as outlined in the FCRA and the Michigan Identity Theft Protection Act, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 445.252.

In addition to federal law, Michigan state law, specifically Section 445.61 of the Michigan Identity Theft Protection Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 445.63 of the Michigan Identity Theft Protection Act establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Michigan Penal Code Section 750.285, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Opps Loan to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that Opps Loan immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 445.252 of the FCRA and Sections 445.61 and 445.63 of the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Michigan state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Opps Loan will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-17 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: NC

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have contacted this company over XXXX times now to date. Left countless voicemails and called the bogus phone numbers they have provided with fake extensions. To get my transcripts released

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 2024-04-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance

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 2024-04-17 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: TX

Complaint narrative:
See attached. I have disputed this account numerous times due to fraud and now you are getting a copy of the cease and desist letter that the creditor received.

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 2024-04-17 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: VA

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 2024-04-17 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: VA

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently paid off my autolone through XXXX XXXX XXXX. After paying off my loan, my credit score dropped by XXXX XXXX points from XXXX to XXXX Taking my credit from very good To good. This absolutely makes no sense that your credit score would drop once you pay off alone. Credit scores should go up. It should show you have less debt. The company is unable to explain to me why my credit score dropped by XXXX points. When there is nothing else new on my credit report. I'm currently in the process of trying to buy a house and this drop will severely impact my abilities to purchase a house And provide me a lousy interest rate. This company needa to explain how my credit score dropped by XXXX XXXX points by paying off my loan.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. Experian, XXXX, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.

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 2024-04-17 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: CA

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 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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Wheels of Chicago, Inc.
State: IL

Complaint narrative:
I purchased a auto vehicle from company called wheels of Chicago a located in XXXX i was forced to by a vehicle because I was told it was the only vehicle I cant get which it wasnt it was other vehicles keeper or around the same price i committed to a XXXX XXXX XXXX which was to be deducted every time I get paid from my job however company messed up dates and then started that they cant do anything about it my card was charged after company was closed on XXXX I purchased vehicle XXXX so it has not even been XXXX weeks. XXXX days after having the vehicle there were issues and company turned my vehicle off leaving me and my XXXX old stranded. I then told company I want my down payment back and vehicle return I was told by company it would be considered as a XXXX company has provided back service and is committed wrongful acts towards customers and forcing clients to keep vehicles they dont want when you try calling for help you are transferred in circles company has bad service they dont give you legal proof of things they say they are committing fraud when they say they are going to fix things they never do. I have been stressed out I have a child and company is committing wrongful acts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
XXXX payment to Cardinal mortgage made XX/XX/XXXX as my usual payment schedule of {$1200.00}. I received a late notice and Called on XXXX It was recommended that I call my bank. Once I confirmed payment not received. I called mortgage co on Sat leaving voicemessage on issue and asked for help. I called Monday XX/XX/XXXX, and working with the Cardinal rep made not only XXXX, but XXXX to show goodfaith. Im not a late payer- and once my payment history was reviewed she took payment and waived late fee. We confirmed all info- I got another past due for XXXX and XXXX called again and was told payment was rejected- account not found. I use the same bank and 2 accts every month- easily tracked. I called XXXX long conversation about how payment was made- I was told my previous rep should have told me to make 2 seperate payments- not 1 lump sum. I was directed to make 2 equal payments in 2 transactions. I did- I got another confirmation and thought all was well. ITS NOT A LACK OF FUNDS.- I thought it was done. End of XXXX I received a default letter- I called again and was told, inspite of my confirmations- the payment didnt process- account not found again- the system took the payments 2x? 
New instructions from Cardinal- they payment didnt go through because my XXXX payment had increased, so nothing was credited? - I was urged to make 2 payments with another rep asap... I thought I was told I couldnt make 2 payments at once? Not knowing what to do. I hung up and MADE 1 PAYMENT AT A TIME ON XXXX REPAID XXXX XXXX REPAID XXXX- I MAILED THE XXXX PAYMENT ON XXXX I was too afraid to attempt online again. I got multiple explainations from XXXX XXXX who said they research and found different issues- NOW BECAUSE OF THE MAIL SERVICE CENTER BACKUP IN XXXX  XXXX THE PAYMENT HAD NOT BEEN RECEIVED BY XX/XX/XXXX. I have setup an alaert with the bank- so when the check is processed. I will update this complaint.I NEVER RECEIVED AN ANSWER AS TO WHAT HAPPENED, NOR DID I RECEIVED A RETURN CALL FROM MANAGEMENT, NOT DID I RECEIVE A REPLY FROM THE 4 ONLINE REQUESTS FOR ASSISTANCE MADE USING THEIR CONSUMER EMAIL. 
I also mailed a complaint directly to Cardinal using XXXX Mail. That is how serious this misunderstanding is to our family.My credit rating has dropped more than a bit, since Cardinal reported me more than a month late. Pls help me get restore.I never would pay the biggest credit account late without using help tools make avail. IT WAS NOT THE MONEY-As a consumer I understand the importance of this contract and my timely payments over the last 3 1/2 years has increased my numbers significantly. I can not allow this to go unchallened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: KS

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 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 2024-04-17 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: KS

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 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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
This Is XXXX XXXX I had a CHIME account Chime close my account on XXXX XXXX I called them XXXX XXXX they sent me a closure check that I couldnt cash I went to XXXX, XXXXr & XXXXXXXX XXXX  etc. Too trying to cash it but I couldnt do it Then I called chime letting them know I couldnt cash the check so the XXXX  XXXX told me to sent the check back to them in a email address was ( chime XXXX XXXX ) I did so from my email ( XXXX XXXX XXXX ) thats when she told me my check a be here XXXX XXXX I still havent received anything yet.. Then I called them on why my account been close cause chime havent sent me any notifications dealing with closing my account I had {$3900.00} in my account when chime close my account chime told me they was sending me a closure check within 30 days cause thats they terms of processing my check chime gave me this ID number XXXX about my money so I called back XX/XX/year> they told me to wait 3-5 business days so I waited then I called back XXXX XXXX thats when chime stated that my check a be too me XXXX XXXX chime gave me these numbers again XXXX told me my check a be here and 7-10 days numbers again XXXX I been waiting just waiting my lights got cut off dealing with chime, I Called Doing all of XXXX chime hang up the phone in my face 3x getting attitudes with me cause Im calling about my money! I called chime today XXXX XXXX they told me I got ta wait 30days and then I snapped cause Im mad Im going through a lot cause they still holding my money in lying too me I called chime a hour later they told me it was gon na be 14 days chime gave me numbers again XXXX XXXX have talk with XXXX, XXXX, XXXX, XXXX and XXXX I just need help getting my money! I wan na go through all the steps Chime number I been calling was XXXX they not helping me they giving me runaround about my money. XXXX XXXX XXXX is my number or this number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Improper use of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CA

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 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 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am part of the XXXXXXXX XXXX XXXXXXXX case. My student loans have been forgiven for XXXX  XXXX XXXX however, as part of this lawsuit, I should receive a refund for the payments that I made towards specific loans from XXXX XXXX XXXXXXXX according to my calculations that refund should be around {$1600.00}. I have not received that refund. I have reached out to my loan servicer as well as the department of education and.Borrowers defense And have gotten no responses this process was originally supposed to be done by XX/XX/2024 2024

Company response to consumer: Closed with explanation