vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We requested a payoff reduction for the reason that the payoff that was provided included " purchase money '' that was lost in the short sale. The payoff that was provided included {$480000.00} which was the downpayment for purchase of the home. Under California law the " purchase money '' lost in the short sale can not be collected from the borrower ( myself ). 
Please see the attached documents which include my request for loan reduction ( based on the short sale ). Also see the attached response from the Select Portfolio Servicing regarding my request. Which does not comply with California 's short sale and anti-deficiency statutes. California short sale law pertains to all " purchase money '' even if there are XXXX separate Deed of Trust. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, relying on XXXX XXXX section 1642, held that two separate XXXX XXXX  on separate properties are purchase money trusts. 
This was, under California law, a XXXX transaction. See XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, which states that several contracts relating to the same matters between the same parties and made as part of XXXX transaction are to be taken together. 

Select Portfolio response dated XX/XX/XXXX, states " When you refinanced the XXXX home you agreed to pay this debt when you signed the enclosed Adjustable Rate Note and XXXX XXXX XXXX By taking money from this refinance to purchase another home does not extinguish that debt and therefore we find no merit to your claim. '' See attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was opened on the following date : XX/XX/year> and it showing inconsist and inaccurately on all XXXX bureaus. this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account Name : XXXX XXXX XXXX Account # XXXX i enclosed a copy of my most recent credit report with proof of the inconsistancies on all XXXX credit bureaus XXXX, XXXX and Experian

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 2024-04-08 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: MD

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. Check the attachments below.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
After reviewing my credit report I discovered that there is an account on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to remove a portion of the data in my credit file that came about because of a Fraud yet I have an items passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ( Original Creditor : XXXX ) XXXX Balance : {$540.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX  XXXX Balance : {$380.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance XXXX $ {$4900.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
recently reviewed my credit report and found inaccurate and incorrect information reporting on my consumer 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 2024-04-08 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Unfair. Fix the account number and send a full report. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2024-04-08 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: Self Financial Inc.
State: TX

Complaint narrative:
After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received my credit report from Equifax, XXXX and XXXX on XX/XX/2024 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received my credit report from XXXX, Experian and XXXX on XX/XX/year> and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute a recent late payment that has been reported by XXXX on my credit report. Despite having an excellent payment history with XXXX, I was surprised to discover that a payment of {$520.00}, which was little over a month late, was reported to the credit bureaus without any prior notification. 

My name is XXXX XXXX, and my date of birth is XX/XX/1984. The last XXXX digits of my XXXX account are XXXX. 

I have been a loyal customer of XXXX for 10 years, and it has always been my priority to make timely payments. I have never received any notifications via mail or phone call regarding any late payments, nor have I received any indication of any potential issues with my account. 

I understand the importance of maintaining a good credit history, and I take my financial obligations seriously. It is highly unusual for me to miss a payment, especially XXXX of such a nominal amount, and I assure you that this occurrence was an anomaly. 

I kindly request that you investigate this matter and rectify the information reported to reflect the accurate status of my account. I believe that the reporting of this late payment has unfairly harmed my credit score, and I am confident that a review of my account history will confirm my consistent payment record. 

I appreciate your attention to this matter and request that you provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this dispute.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received my credit report from XXXX, XXXX AND EXPERIAN on XX/XX/2024 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

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 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NE

Complaint narrative:
On XX/XX/2024, I sent a {$2900.00} check to the Westlake Financial payment address to fully satisfy the loan balance and pay my car loan off. To this day XX/XX/2024 they STILL have not cashed, deposited or sent the check back to me. XXXX so beyond done with this. I have sent numerous emails to the inbox asking for an update to the status of when I can expect to receive my title. Today I received an update from the credit bureaus advising that I am late on my car loan payment. XXXX! I just want my loan paid off and my credit fixed from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/year>

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 2024-04-08 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief