vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-08 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: TN

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove from my credit report across all bureaus. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA 605B, 18 USC 8 this company is violating my consumer right to privacy pursuant to 15 USC 1681B2, 15 U.S. Code 1692c has no permission to report any info pursuant to 15 USC 1681 4.

I did not sign any agreementeither physically or electronicallywith my wet signature that obligates me to this alleged debt.

To the best of my knowledge, no valid contract exists between me and the creditor/debt collector for the stated amount or any debt.

I have requested verification and validation of this debt from the debt collector, including documentation of any signed agreement. As of this date, no such proof has been provided. Please remove form 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage is my lender for my FHA loan. I purchased my home XX/XX/XXXX and it was transferred to them on XX/XX/XXXX. In XX/XX/XXXX I was contacted about an automatic refinance to lower my interest rate. That happened and closed in XX/XX/XXXX. I was informed in XXXX that my escrow balance was in the negative and my loan payments are now increasing approximately {$300.00} to cover the difference. The refinance that was supposed to lower my payment by {$100.00} a month actually increased it by $ XXXX due to the misappropriation of escrow funds. It seems like an attempt for a mortgage company to collect backend loan financing fees for their brokers and creates a hardship for the consumer.

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 2025-01-08 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: MT

Complaint narrative:
I have several items after bankruptcy that werent reported correctly, followed by identity theft, unauthorized use, several companies have not reported the disputed amount in the balance, have charged of and reported open balances unpaid, mortgage reported discharged in bankruptcy, paid in full they sold to different lender ( own company tho ) and reported one paid one discharged. Secure credit card was closed by me and agreed security deposit used for balance, no credit for security deposit never closed and late fees. XXXX address not mine just removed ( I wasnt told about as removed when going over outdated or incorrect personal information on the phone ) fraud alert was removed in XXXX after placing the month before not by self. Was told they a tree not required to furnish supporting documents and can only go but what furnished. Score decreases but not information why only noticed if increased score but score is lower than before

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check that was given to me by a law firm as a part of a settlement using the Chase mobile app on XX/XX/year>. There was no notice given of any extended hold before finalizing the deposit. Later on I was advised via email that my check would be on hold until XX/XX/XXXX of XXXX. I called Chase to have them verify the check with the maker and the bank and they refused stating that XXXX XXXX would not provide any information. Upon calling back I was told this was eligible for release but they just needed to verify the funds with the maker of the check and they would be able to release the funds. When I called back to verify the check, the representative I spoke with refused to call them contrary to the information I was provided before. I asked to file a complaint or escalate the issue and the representative advised me that Chase does not accept complaints from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A check and cash was deposited on XX/XX/XXXX at XXXX. Deposit was placed on hold and visible in my bank account. Checked a few hours later and deposit had vanished. Visited another branch asking about the situation, teller then told me a XXXX was being put through. The original branch called XX/XX/XXXX and stated that the teller that handled my check gave my check back to me and claimed I had wanted it back. This is not true and I have the receipt from the deposit, but the branch is claiming that they have no record of this transaction. I checked with my employer that my check had indeed been cleared from his account and the money has been pulled out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
I XXXX XXXX XXXX in XX/XX/XXXX. I did not start working XXXX XXXX until XX/XX/XXXX because I had to take time off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX so I am planning on PSLF. I was told to consolidate my loans and apply for IDR by a student loan counselor. My payments for the first year should be XXXX because I made very little last year and this year, as reflected on the tax forms attached. I applied to consolidate my loans on XX/XX/XXXX and submitted an IDR application with the consolidation application. My loans were consolidated on XX/XX/XXXX. Soon after that, MOHELA sent me a notice that I was on a standard repayment plan and owed around {$780.00} starting on XX/XX/XXXX. I submitted additional IDR applications on XX/XX/XXXX and XX/XX/XXXX, and nothing happened. I called MOHELA on XX/XX/XXXX and waited on hold for over an hour just to have the call drop as soon as I was connected to a person. Everyone online said the only way to get through is to call right when they open at XXXX CT, so on XX/XX/XXXX I woke up at XXXX MT so that I could do that. I talked to an agent who requested a processing forbearance be placed on my account, so now my account is in a processing forbearance ending on XX/XX/XXXX. The MOHELA agent said that if my IDR application is not processed by that date I need to call again to get an extension on the processing forbearance. From what I've seen online my time in this forbearance will count towards my 120 PSLF payments, but I'm not totally confident in that so I want to get the IDR application processed to reflect the {$0.00} payments I'll have based on my XXXX tax returns so that they definitely count. I also don't want to have to wake up at XXXX again to call if I can avoid it. I am not sure why my original application from XXXX wasn't processed since they seemed to process the consolidation application so quickly. I submitted different applications for SAVE and other IDR plans because I'm aware some of this is tied up in the courts. I've attached screenshots reflecting the dates described as well as my proof of income in the form of an IRS document from my most recent tax filing ( filed in XXXX  XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Inquiries under 15 U.S.C. 1681b To whom it may concern : I am writing to formally request the removal of unauthorized inquiries that appear on my credit report managed by Experian. After carefully reviewing my credit report, I have identified inquiries that were made without my explicit consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Pursuant to the provisions of the FCRA, a consumer reporting agency may only furnish a credit report under specific circumstances, such as when a creditor has a permissible purpose to access my report. I believe that some of the inquiries listed on my report do not meet these criteria. 

I respectfully request the following : A thorough investigation into the listed inquiries to determine whether they were authorized by me or made with a permissible purpose.

Immediate removal of any unauthorized or impermissible inquiries from my credit report if they are found to lack proper authorization.

Written confirmation of the results of your investigation and any actions taken as a result of this request.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to facilitate your verification process. 

I trust that Experian will handle this matter in compliance with applicable federal laws to ensure the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) This section of the Fair Credit Reporting Act outlines the permissible purposes for which a consumer reporting agency may provide a consumer report. These purposes include : In response to a court order or subpoena.

For use in connection with a credit transaction initiated by the consumer. 

For employment purposes, with the consumer 's written consent. 

For insurance underwriting purposes. 

Any inquiry made outside of these permissible purposes constitutes a violation of the FCRA and must be removed from the consumer 's credit report if challenged.

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