vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX AFFIRM Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX XXXX  account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX 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 procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
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 2024-09-14 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to 15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by 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 2024-09-14 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: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to 15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by 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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I recently received a notification from the law firm XXXX XXXX XXXX XXXX XXXX ( NJ Attorney : XXXX XXXX id # XXXX ). In regards to a debt that is over 10 years old ( over the collection statute for the state of NJ ). ( Copy of documents enclosed. ) I was never sued by this company ( to my knowledge ) however, I received a letter stating that they are going to contact my employer and garnish my wages. The letter does not mention the supposed total amount due, The title is listed as Notice of Application for wage Execution. 

Previously, I worked with a company to repair my credit ( 3years ago ) and had all the old / outdated information removed. Barclays ( the original company ) was removed because it was well over the 7 year reporting mark. 

Ive never received any correspondence in regards to being sued or any judgment being issued to this collection agency on behalf of Barclays Bank. 

Please help I am a XXXX XXXX XXXX veteran and this is really troubling me. Im not sure why this company/attorney is harassing me for a debt that is no longer valid.

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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been receiving phone calls from XXXX companies that have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I cant reset the password for my online banking i keep getting this problem everytime when i trying to reset the password for my citizen account after clicking the Trouble Log In And Nothing Happenens i cant reset password

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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 formally lodge a complaint against Experian for the unauthorized and unlawful use of my consumer credit report. Specifically, I discovered that the Office of the Attorney General of Texas had been accessing and reporting on my consumer credit report for months without permissible purpose. This unauthorized access persisted even after multiple disputes I filed with Experian. It was not until XX/XX/year> that these inquiries were removed, which indicates a failure on Experians part to take appropriate action promptly. 
Violation of FCRA and Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), a consumer reporting agency is prohibited from providing consumer information unless there is a valid, permissible purpose. To the best of my knowledge, there was no valid reason for the Office of the Attorney General of Texas to access my consumer credit report, as I had no existing relationship or legal obligation that would justify such an action. Their persistent access to my report constitutes a clear violation of my consumer rights under the FCRA, specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX, which provides for civil liability for willful noncompliance. 
Harm, Injury, and Loss As a result of Experians failure to act diligently in protecting my consumer file, I have suffered material harm, injury, and loss. The unauthorized reporting negatively impacted my financial standing, causing me to expend significant time and resources in resolving this issue. Moreover, the presence of unauthorized information in my credit report resulted in emotional distress and potential damage to my creditworthiness, which could have long-lasting effects on my ability to obtain credit or favorable financial terms. 
Remedy and Timeline I am providing Experian 15 business days from the date of this letter to issue the requested payment and to confirm that my consumer file reflects the correct name, free from unauthorized inquiries and information. Should you fail to comply with this demand within the stated timeline, I will pursue legal action, including but not limited to, filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and taking legal action under XXXX U.S.C. XXXX for willful violation of the FCRA, seeking additional statutory damages and attorneys fees. 
Conclusion Experian must ensure the accuracy and protection of my consumer credit report, and I expect swift action to address this serious matter. This letter serves as formal notice of your obligations and my demand for remedy. 
I look forward to your prompt and favorable response to this complaint.

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 2024-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent in a letter via certified mail to the XXXX XXXX Bank of America that was received on XX/XX/XXXX at XXXX am. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to Bank of America via priority mail of America requesting my XXXX on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.

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 2024-09-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries 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 2024-09-14 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: IL

Complaint narrative:
I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized accounts/information. These discrepancies have significantly impacted my financial well-being and credit health.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized accounts/information. These discrepancies have significantly impacted my financial well-being and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I cant upload my identity Information And verify opening this account everytime when i try too upload and take the picture of my State ID The SoFI Website is not letting me take the picture and am unable to complete the verification to open the account everytime when i try to use the Sofi Mobile App keeps crashing and cant use the SoFI Mobile Banking App SOCIAL SECURITY : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
My account is with Fay Servicing for years they refuse to give me information about my loan. My monthly payment is XXXX, principal {$170.00}, interest {$570.00}, escrow {$340.00} tax. We have paid our mortgage for 17yrs and Interest will not go down. We called and was told we have an additional 35yrs on loan. They told us that they didnt have any information on our loan they just service it. My loan was sold and it took 3 months when they took over and tried to foreclose on account because we didnt have access to account to pay.We had problems from the very beginning with this company. When you call they hang up and they are very rude. We were told that we signed modification papers to add 35yrs, if we did, we were deceived about terms. Credit wise, they are aware that we cant refinance with anyone else. They also refuse for us to pay out our escrow tax too have the other amount add to principal was told we couldnt do that so the would just reimburse every year in XXXX if we paid it as a over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2024-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 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 instruction.

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 2024-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 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 instruction.

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 2024-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: MFG Financial, Inc.
State: IL

Complaint narrative:
The loan was taken out with XXXX XXXX on XX/XX/XXXX. My loan amount was {$3900.00}. I made all of my payments of {$680.00} from first payment starting on XX/XX/XXXX until last payment of XX/XX/XXXX. My car was still taken and when I contacted the company many times and went there many times for them to keep telling me someone will get back to you and no one ever did. I recently once again did the same the phone number is disconnected. The buisness is no longer around and the website is for sale. Now XXXX XXXX XXXX XXXX later MFG Financial INC XXXX XXXX XXXX is coming after me and saying I still owe money. How is this legal? This is the first time I am hearing of this. I was told by another attorney that they first filled XX/XX/XXXX more than XXXX XXXX after the last loan payment was made? Past the statue of limitations. I have tried to call so many places and I cant seem to get help with this. I even went to my bank to get proof that I made all my payments and the bank says no places can keep records past XXXX  years.

Company response to consumer: Closed with explanation