vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: OH

Complaint narrative:
I started the PMI evaluation / removal process on XX/XX/XXXX with US Bank. They deducted a {$150.00} fee to start the XXXX process. 

I had to submit a list of significant improvements that we have made to our home in order to get an appraisal approved. 

Since purchasing the house in XXXX of XXXX we have completed the following : Windows and Doors - XXXX Driveway/Patio ( Concrete ) - XXXX Electrice Panel Upgrade XXXX XXXX XXXX ) - XXXX Chimney Liner and Cap/Crown Rebuilt - XXXX Radon Mitigation System - XXXX Fence - XXXX Hot Water heater size upgrade - XXXX Level XXXX Car Charger and XXXX Install - XXXX Roof and Siding - XXXX ( this was completed before close of house by previous sellers but after appraisal ). 

Excluded the Roof and siding, I have personally spent XXXX worth of upgrades to our home. 

These were provided to US Bank originally and they came back and said there wasn't enough significant improvements. I asked the representative on XX/XX/XXXX to check and see what $ amount they were seeking and she came back and said it was only XXXX. She was confused because the amount of upgrades we had exceeded that amount so she assisted in resubmitting the list again. 


My loan is coming up on XXXX years in XXXX and I am trying to get the PMI removed so that I can be appraised with a XXXX at 80 %. Once XXXX years have passed, it will drop to 75 % making it hard to remove PMI. 

US Bank seems to be dragging their feet, as I call nearly every day asking for an update and so far it's been that I should be receiving a call to schedule an appointment or my appraisal request has been denied.

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 2024-05-27 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:
I am writing to express my profound dissatisfaction with the way my identity theft complaints have been handled by your bureau. This matter involves not only the theft of my personal data but also reflects a concerning lack of responsiveness and care from your bureau in addressing my situation. 
I have submitted all required documentation, including the FTC report filed with the Federal Trade Commission, to establish my innocence and highlight the criminal actions involved. Despite the severity of the issue and its significant impact on my life, the response from your bureau has been alarmingly inadequate. Communication about the status of my disputes has been sparse, and the replies I have received have been generic and unhelpful. This neglect has left me feeling ignored and unsupported by the institution I trusted to safeguard my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation. Please thoroughly review the evidence provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that measures be implemented to prevent such incidents in the future, as it is evident that my personal information has been mishandled. 
XXXX XXXX XXXX XXXXXXXX.

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 2024-05-27 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct # XXXX .... and XXXX XXXX XXXX XXXX Partial Acct # 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 2024-05-27 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: OH

Complaint narrative:
I recently checked my updated personal credit report and I noticed the unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And your investigation is complete, you find my allegation to be true, please remove these inquiries : EXPERIAN : 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 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 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 2024-05-27 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: OH

Complaint narrative:
It has been brought to my attention that you are not removing inquiries when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following inquiries listed below which are reporting inaccurately due to erroneous credit report entries, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law I also attached here a new FTC report with reference number XXXX. Please remove the following inquiries as they are unauthorized & were opened without my consent or knowledge : EXPERIAN : 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  If you claim these inquiries are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these inquiries which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX 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 explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: LA

Complaint narrative:
During the XXXX XXXX of 2022 I was evicted from my home, I tried my best to keep up with coursework after that, but at the time I lived in my vehicle. When I XXXX XXXX XXXX in school I learned that I have a hold on my account thats stops registration due to " XXXX XXXX returned ''. Instead of having to pay the school, the debt was sent to the office of debt releif. I tried to set up a payment plan for {$200.00} per month but that would take me 2 years to repay when I can be in school. I assked if the hold can be romoved while I pay and they said no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-27 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:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear MCA MGMNT CO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report. This violation is confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX, Missouri 's identity theft and fraud laws. 

It has unequivocally come to my attention that MCA MGMNT CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX, Missouri state law emphasizes the necessity of consumer consent for credit reporting and the severe consequences of identity theft and fraud. Florissants identity theft laws provide clear guidelines and penalties for the unauthorized use of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MGMNT CO 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 MCA MGMNT CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX, Missouri identity theft and fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX, Missouri state law. 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 MCA MGMNT CO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Meritize Financial Inc.
State: NY

Complaint narrative:
In XX/XX/2022, I took a XXXX loan to take a XXXX course with XXXX XXXX was the representative from XXXX who recommended that I take a XXXX  loan from Meritize XXXX in the amount of {$11000.00} to cover a two-part course. The first part is done online, and the second part would be done on XXXX in Massachusetts. I have not been able to log in to my account with XXXX to finish the first part, and XXXX, my representative doesn't appear to work with the company anymore. I have made several phone calls to the XXXX school, and no one has returned my call. 

It is noted that that XXXX  took the full tuition from Meritize XXXX of {$11000.00}, when I only started the first part, and wasn't able to finish the XXXX. I have not taken the second part of the course, but XXXX took full payment for. 

I have not been able to finish the XXXX, but XXXX has the full payment for the entire XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
In XXXX or XXXX of this year, I.C. Systems, Inc., attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, placed a collection with all three CRAs in the amount of {$130.00} under my SSN. I am disputing the validity of this alleged debt. 

Any debts that are alleged to belong to me and associated with acct # XXXX were paid to the original creditor ( e.g., XXXX XXXX XXXX XXXX ) on XXXX. XXXX, XXXX over the phone in the amount of {$140.00} and a return of equipment on XXXX. XXXX. XXXX in person at the XXXX XXXX  store located in XXXX XXXX, TX in consult with the XXXX XXXX store manager resulting in a XXXX balance for acct # XXXX ( see attached reciept ). 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX, another debt collector acting on behalf of XXXX XXXX XXXX XXXX, contacted me via phone and mail alleging a debt of {$610.00} based on services I terminated with XXXX XXXX on XX/XX/XXXX. I successfully disputed this debt allegation with a XXXX XXXX billing receipt dated XX/XX/XXXX indicating a XXXX balance for services and return of equipment under XXXX XXXX ticket # XXXX ( please see attachments for detailed timeline of events ). Now two years later, XXXX XXXX XXXX XXXX is attempting recollection on a debt from me that is not owed and I am having to dispute this allegation once again. This amounts to harassment and clear abuse of consumer rights under FDCPA and FCRA. This erroneous reporting to the CRAs by I.C. Systems, Inc., on behalf of XXXX XXXX XXXX XXXX, has severely impacted my credit rating for which I am contemplating taking legal action.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXXXXXX XXXX : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX  XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
XXXX XXXX XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXX Account : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance Republic financial XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: TN

Complaint narrative:
I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my XXXX credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.

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 2024-05-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my XXXX credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct # XXXX .... and XXXX XXXX XXXXXXXX XXXX Partial Acct # 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