vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 

Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2024-09-13 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
OK, I have contacted best egg Buy phone four or five times with no resolve Ill say do or say is that what it is that is the way it is so I would say that Ive contacted them on the origination fee. They charged XXXX times XXXX XXXXXXXX of every month I called them and asked them. Why has this not been resolved and given them back with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
Hello, My husband is XXXX XXXX XXXX XXXX. We are currently stationed in Ohio and bought a house here in Ohio. We are asking our mortgage lender if they could extend XXXX benefit of 6 % cap interest rate to our mortgage. As Ohio being a Key provisional state, this means that XXXX is extended for debt incurred XXXX XXXX XXXX XXXX I have referenced the documentation from the Ohio State Bar Association to my mortgage lender explaining this. Below is the reference : XXXX. Interest Rate Cap- To help ease financial burdens created by XXXX XXXX XXXX, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred XXXX XXXX XXXX duty.Note that Ohio extends the 6 % interest cap on all debts, not just those incurred XXXX XXXX XXXXXXXX XXXX. 

They responded by stating that, " The section you are referring to XXXX of the Ohio State version of SCRA doesnt apply to residential mortgages because theyre not goods or services. due to the ruling of the case in 2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. '' However, according to the Ohio State Bar Association, XXXX. Temporal Scope of Interest Rate Reduction- The 6 % interest cap on mortgages and mortgage equivalents applies during active service and for XXXX year after active service ends. XXXX But the interest cap reduction on all non-mortgage debts and obligations is limited to the duration of active XXXX, XXXX '' Here is the link to the reference : XXXX XXXX XXXX  XXXX Please let me know if there is anything else I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Number : XXXX XXXX XXXX & XXXX : Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX Number : XXXX XXXX XXXX & XXXX : 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had to write this 2 times information lost. I had personal and business accounts over XXXX between both. I went into the bank several times and even changed my personal account to avoid fees. No one told me I was being charged {$30.00} mth since XXXX. When I found out my business name was not changed either after speaking two times to chase once phone and email XXXX and the name and bank account type still was not changed. Also I go to XXXX they charged me {$8.00} and {$14.00} per debit card transaction! The XXXX # I call guy XX/XX/year> XXXX XXXX  rude just referred me back to the bank. I asked for supervisor they left me on hold 30 mins. So thats why I made this complaint. Also my personal account had a fraud charge they cancelled my account sent card out and my address was not changed. No verification just reckless. And kept all the fraud charges {$29.00} $ {$15.00}. Its the principle they dont care if you have money in your account they try to scam you it seems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We had been in forbearance from XX/XX/XXXX to XX/XX/XXXX XXXX the loss of my job. While in forbearance we underwent needed repairs and refurbishment of the property in preparation for sale. Upon the completion of the forbearance period, the company sent us an email describing further options available to us if we were still facing a hardship. 

We inquired whether we could modify our loan to include the amount in arrears, and to resume payments at a level we could afford, until we can sell. We want to stay current in some fashion on the loan so we can keep our credit rating at a level where we could manage to find housing after the sale. Our single point of contact at the company, with who we have been instructed to work, has up until now failed to respond to this request in any way, continuing to ask questions regarding our intent with the property which we have answered on multiple occasions. 

Previously this summer, while still in forbearance the company reported us in delinquency, resulting in a huge drop in our credit score. With your assistance that was reversed. We ask your assistance again in helping us to meaningfully communicate with the company to work out a resolution. 

We want to work with the company to resume payments ( although at a lower monthly level ), stay current, and allow us to sell the propertry.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BILL.COM, LLC
State: VA

Complaint narrative:
On XX/XX/year> submitted an initial application for BILL Divvy Corporate Card is issued by XXXX XXXX XXXX, member FDIC, but despite submitting requested information, my application was not acted on and expired within the 30 day window. Shortly after the expiration of the 30 days, I received another email asking me to come back to re-submit my application, which I did on or about XX/XX/XXXX. XXXX was approved on XX/XX/XXXX and the card received on XX/XX/XXXX. When setting up my online account access, I ran into issues and contacted customer support on XX/XX/XXXX, whereupon I was successful in getting access to my online account management tools. During this interaction, I requested confirmation that my account was enrolled in a promotional offer of spend {$500.00} and receive {$500.00} back as a statement credit. On XX/XX/XXXX, despite no new information on activity on my newly approved and opened account, I received an email notifying me that my account was being closed. I am of belief and suspicion that my inquiry on the promotional offer was a direct result leading to the closure. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) on unauthorized accounts on 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 2024-09-13 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: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way FAIR COLLECTIONS & OUT should have my information! Please remove this fraudulent account off my consumer report immediately!

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 2024-09-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
We have a Fidelity Brokerage joint checking account and a closely associated Elan Financial Fidelity-branded joint credit card. 

On XX/XX/XXXX, my wife asked me for a divorce. 

On XX/XX/XXXX, I paid the entire balance of our Elan-Fidelity joint credit card. Not the statement balance, I mean the entire balance, so the account afterward had a XXXX balance. I didn't cancel the scheduled autopay because I assumed the system was smart enough to realize that the monthly statement balance autopay was now unnecessary because it was already paid for manually on XX/XX/29. 

On XX/XX/XXXX, Elan Financial basically stole an extra {$3600.00} through my previously scheduled autopay to pay for a then nonexistent balance. My account went to a balance *in my favor* of around {$3600.00}. 

No big deal, I should just call and get them to transfer the money back to me, right? I called on XX/XX/XXXX and asked them to return all the money from that autopaid overpayment back to me ASAP. Instead of returning it to me within 24 hours, or within 1 - 3 days, they said it would take 10 business days (!! ) to return my funds back to my Fidelity brokerage checking account from which it was taken. 

I called back again two or three days later to again demand faster processing. I'm going through a divorce and my wife and I need to split all our assets in a timely way, and this lingering balance is interfering with our ability to finish our split. The customer service rep said that she'd send an email to the back office requesting expedited processing. 

Today, XXXX XXXX, 10 days after this stupid gross overpayment went through, I called AGAIN to ask for immediate expedited processing. We're planning to file our divorce papers tomorrow, so we really need to split these assets ASAP, ideally before the end of the day. The customer service rep I reached transferred me to a supervisor. The supervisor told me that the refund has been delayed further, and that it'll take at least 21 days (!! ) for them to get our funds back. 

This is unacceptable and enraging. Elan Financial has no reason to hold onto these funds other than XXXX  incompetence and indifference, or grossly inappropriate greed over the interest they can earn on the balance they're withholding from us as they stall in returning our funds to us. 

Please help give XXXX  to this complaint, and please establish rules that credit card companies have to follow about not blindly drawing more funds from autopay than are needed to pay down the most recent actual balance on the account. We shouldn't be penalized with confusions and incompetence like this for doing the right thing and prepaying my balance down to XXXX manually before the autopay triggers.

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 monetary relief
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2024-09-13 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation