vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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 have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX  Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  + Sales Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
My student loans were discharged in XXXX of 2023 Due to being a XXXX percent permanently and totally XXXX XXXX 

In XXXX I contacted XXXX and they told me I didn't need to do anything and I would get a refund of the negative balance on my account Within 5 to 7 business days direct deposit. I gave it XXXX weeks there was no deposit I called my hella back they told me the refund request had been canceled due to the operator not putting in the memo what the refund was for. I resubmitted a second refund request and asked for a confirmation number I was told that XXXX  does not provide confirmation numbers. I waited about 2 more weeks and then I called XXXX again this time I recorded the phone conversation inform them I was recording the phone conversation and explained the situation. After informing the Mohela agent that a lawyer told me they had to give me a confirmation number I was able to get a confirmation number and was told my check would be direct deposited on XX/XX/XXXX of 2023. Yet again the day came and passed and no deposit and I called him back. Finally after getting to speak to a supervisor I was told that my refund had just been submitted to the XXXX Treasury on XX/XX/XXXX and it was out of their hands now. 

Each time I was on hold for over 2 hours there are many times that I was on hold for almost 3 hours and then hung up on. 
They will not call you back and they refuse to give you any information that is accurate. I explained to multiple agents that they are giving everybody the runaround to delay issuing refunds. 

Each customer service representative will tell you something different they lie mislead and give false information in hopes of delaying the refund process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
My XXXX XXXX home loan was transitioned to Freedom Mortgage in XXXX XXXX Freedom Mortgage reported delinquent mortgage payments from XXXX XXXX XXXX due to a payment being rejected from XXXX XXXX in XXXX XXXX When I spoke to XXXX XXXX, they confirmed that there were no payments rejected. There were no communications from either servicer stating that the account was ever past due between XXXX XXXX XXXX XXXX There were no phone calls ever made to notify that the account was behind in payments. This is a violation of FCRA and UDAAP Regulation as I the consumer was never informed of any arrears verbally or in writing to be allowed the opportunity to be resolved prior to being reported to the credit reporting agencies between XXXX XXXX XX/XX/XXXX. This has caused me detriment and is preventing me from being financed for a new home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Collection Account FOR XXXX IS SHOWING ON MY CREDIT REPORT FOR NO REASON ITS BEEN ALONG TIME DID NOT NEED AN INSURANCE POLICY I ASKEDD THEM TO REMOVE IT FROM MY ACCOUNT SINCE ITS NOT MINE THEY REFUSED AND REFUSED TO SEND ME ANY DETAIL ABOUT THE ACCOUNT JUST THEY WILL SEND IT TO THE ACCOUNT HOLDER ADDRESS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9800.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9800.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9800.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous. 

Attached is a photo of the letter I received in the mail. I accidently ripped it but you can still make out what it says.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: VA

Complaint narrative:
I made a deposit into Valley Bank and they have put my account on hold with no explanation. They are asking me to email personal documents to remove the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : FORTIVAXXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
The lender was supposed to start the mortgage 30+ days out. The lender left me with less than 30 days to start the loan/ for the first months mortgage. The loan closed on XX/XX/XXXX and my first loan to the mortgage is XX/XX/2024. 
The lender in their attempt to package the loan didn't allow me sufficient time to pay on the first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, XXXX, TRANSUNION ARE HELD LIABLE

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 2023-12-29 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: TX

Complaint narrative:
I have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Sales Financing

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 2023-12-29 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 have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Bank ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX  + Auto Financing ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Sales Financing

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 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I saw a new inquire on my credit report company name is Resurgent LVNV Funding it said i open an account on XX/XX/XXXX XXXX  for the amount of {$1600.00}. I wasnt aware that i had an account with them. I never received any written notification from this company informing me of these charges nor have this company giving me the opportunity to validate these charges as well. They just add it to my credit report without my knowledge.Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
I exercised my legal right under the FCRA and asked Experian, the CRA, on multiple occasions to investigate an inaccuracy to remove the inaccurate unknown name from credit profile ( XXXX XXXX ) and to update with the correct legal name ( XXXX XXXX XXXX ). The requests were made to representatives on various occasions on their recorded line with formal written requests made on XX/XX/23, XX/XX/23, and XX/XX/23. ( see attached ) Experian did not provide any proof of verification for the name they have on my credit file. I was assured that the illegal name they are using to identiify me would be removed and updated with my legal name. 

They have not investigated, nor have they provided me any updates to reflect my legal name. I was instructed to mail in a utility bill, drivers license and social security card as proof of my identity and name. The items were sent, but Experian did not update. 

It has been over 3 months since my original requests for correction were made. 

I am in the process of preparing legal action which will seek damages allowed to me under law. I am requesting again that they correct my file immediately and send me my updated credit report reflecting my correct legal name. Maintaining an inaccurate unverifiable name, which does not belong to me, has placed my personal data at great risk.

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 2023-12-29 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: PA

Complaint narrative:
Subject : Opting Out of Authorization Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2023-12-29 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: TX

Complaint narrative:
i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO EXPERIAN, XXXX, XXXX ARE HELD LIABLE

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 2023-12-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal unauthorized inquiry Used my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express prepaid gift card from my company. I made 2 small purchases on XXXX with it, but the 3rd purchase attempt failed ( attempted purchase amount of {$170.00} ). I called AMEX XXXX XXXX XXXX XXXX XXXX and they said purchases at XXXXXXXX XXXX XXXXXXXX have been blocked, " try somewhere else ''. I went to the third-party site XXXX XXXX XXXX XXXX XXXX to purchase the same XXXX battery directly from them but the purchase was again declined. I called AMEX back on XX/XX/XXXX XXXX XXXX XXXX and they said they unblocked all sites, wait 24 hours and try again. I tried around XXXX XXXX XXXX XXXXXX/XX/23 using the card again on XXXX XXXX XXXX and still declined. I tried again on XXXX as well. I called AMEX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX they said nothing is wrong on their side and to just keep submitting orders until something goes through. I tried again on XXXX XXXX XXXX XXXX XXXX  around 20 times and all declined. Now I have {$300.00} stuck on this card that no one will seem to take and AMEX support is no help to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
I have repeatedly disputed incorrect information on my XXXX XXXX account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.

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