vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: Velocity Portfolio Group
State: AZ

Complaint narrative:
My rights were violated by XXXX XXXX XXXXnd XXXX, they are reporting incorrect information that has damaged my credit and impacted my XXXX. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.

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 2024-08-17 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: CL Holdings LLC
State: AZ

Complaint narrative:
My rights were violated by XXXX XXXX XXXX XXXXXXXX, they are reporting incorrect information that has damaged my credit and impacted my family/business. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau My XXXX XXXX XXXX mother and is being held in debt by my U.S. Bank Home Mortgage We'd like to keep our home. They keep talking about having my Brother XXXX XXXX XXXX the Mortage Assistance Application despite moving out of the XXXX XXXX XXXX 5 years ago. We want to keep our home but cut ties with U.S. Bank Home Mortgage is very stressful and destroys our Credit and Names by keeping us in debt and refusing to let just my mother and I sign the loan application. Is it possible for the Consumer Financial Protection Bureau to assist my mother and me in resolving this problem so we can still live in our home?

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 2024-08-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please Delete these accounts. I never had a written signature contract with these creditors for any debt. Provide me valid proof from the creditors that these debts are mine with the contractual agreement or remove them. Please help me get this issue resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 2024-08-17 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: IL

Complaint narrative:
Ive applied for student loan forgiveness, Im not able to pay it off. These loans are bringing a huge burden on me and affecting my credit score and with that not able to take out other loan to pay off. Part of the student loans that was taken out was given to me with false promises. I took out about a couple thousands to start paying for my education and the school I went to offered me a scholarship to pay most of my loans but at the end they said they were not able to, due to the reason of taking a graduate level course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: AC AutoPay LLC, Denver, CO Branch
State: NE

Complaint narrative:
I am a client of XXXX XXXX and have been offered lower interest rates on the loan for my vehicle for some time now. On XX/XX/year> I decided to see if I would qualify for an offer from Autopay as their interest rate is much lower than what I currently pay. Unfortunately, I did this before checking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got notifications within minutes of hard credit checks from XXXX. After reading the complaints from other people who had similar experiences I decided to file a complaint with CFPB to protect myself against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: GA

Complaint narrative:
Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: NJ

Complaint narrative:
I have three unauthorized hard inquires on my credit report. These inquires are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I would like these removed from my report since according to the FCRA these were unauthorized and must be removed.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and XXXX for their failure to accurately report information related to my account with XXXX XXXX  XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails XXXX provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax reported a new bankruptcy on my report. Its stating XXXX bankruptcies. Its inaccurate and its diminishing my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for Experian 's XXXX over XXXX years ago and connected my payment banks infromation. However recently I received an email from Experian saying that 'My bill had been removed from XXXX '. When I called and finally got thru to a rep, the rep didn't really understand my question as to Why did this happen, and gave me the party line that 'when 3 consecutive payments have been made, it'll show up on XXXX. The issue is that I've been 'Bill Paying ' my rent thru my bank for XXXX years, yet Experian can't answer definitively as to why they took my rent payment off of XXXX?! The more bills you have connected to XXXX, increases your credit score. 

The rep gave me a XXXX XXXX XXXXXXXX and said a rep would be in touch with me. This was over 3 weeks ago and I've heard nothing via phone call, email, etc.

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 2024-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a letter sent on XX/XX/year> in my XXXX XXXX that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a letter sent on XX/XX/year> in my XXXX XXXX that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Comerica
State: MA

Complaint narrative:
I am trying to get my card sent to another address and add my sister on my card. I am in the hospital here in XXXX and cant talk where I could be understood. And I told the person on the phone that. My card was stolen and also my wallet. I cant remember the last transaction because I am here in the hospital. My sister can speak for me but they wont let her help me so I can get my card. We also ask them to call the hospital to verify that I am here and that my sister is over my affairs because of my condition. Could you please help me to get this resolved ASAP. If you have any questions please contact my sister because you will not be able to understand me. Thank you, XXXX XXXX. You can reach her by email XXXX or phone XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 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: DE

Complaint narrative:
This account is inaccurate and not reflecting accurate through XXXX credit reports XXXX XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: DE

Complaint narrative:
This account is inaccurate and not reflecting accurate through XXXX credit reports XXXX XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My account balance was at XXXX and I was a charged a fee which thus charged me another fee. If I hadn't been charged fees by the bank my account would not be negative. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 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: LEXISNEXIS
State: AL

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 2024-08-17 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have a hard inquiry on my XXXX credit report on XX/XX/XXXX. I never had any type of credit pulled in XX/XX/XXXX. They used an old address of mine from over 10 years ago that is a different state that I currently live in when doing the pull. They state they are Wells Fargo Card Serv, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Phone XXXX. I called this number, and it is definitely some type of scam asking me if I'm age XXXX or older and such... then a recording about some XXXX XXXX XXXX XXXX. 

This is very concerning as it was a hard pull on my credit report using information on me from over XXXX years ago - old address.

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 2024-08-17 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: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX I have identified multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. These accounts and inquiries are obstructing my access to necessary credit. Under Section 605B of the FCRA, I request their immediate removal. Please address this matter by promptly correcting my credit file. Thank you for your swift attention to this issue.

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