vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Vanderbilt Mortgage XXXX XXXX has me on a XXXX year mortgage. I know they have over charged us on our loan. We wanted a place to stay they got over on usXXXX XXXX year on XXXX. My husband and I went into XXXX  XXXX because we lost our job. Finally we are back on our feet. I feel they have overcharged us. Now we are almost at the end of our loan. And I dont want to be identified because they are dirty people.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-13 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: NJ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY. 

XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I am formally disputing inaccurate items on my credit report and reporting identity theft involving the unauthorized use of my Social Security number, which violates federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under XXXX XXXX. XXXX ( b ), credit reporting agencies must ensure maximum accuracy in consumer reports. The following fraudulent accounts, inquiries, and public records must be removed immediatelXXXX 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 XXXXXXXX Under 15 U.S.C. 1681c-2, I request expedited removal of this fraudulent information. The misuse of my Social Security number also violates 15 U.S.C. 1692e, which prohibits false representation.

Additionally, under 15 U.S.C. 1681s-2, furnishers must report accurate data and conduct proper investigations. I demand a full review under 15 U.S.C. 1681i, with the removal of unverifiable or inaccurate items.

Failure to act promptly may lead to legal action to enforce my rights under the FCRA and FDCPA. I have attached supporting documentation and request confirmation of your investigation within 30 days. 

Thank you for your attention to this matter. 

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 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing inaccurate items on my credit report and reporting identity theft involving the unauthorized use of my Social Security number, which violates federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under XXXX XXXX. XXXX ( b ), credit reporting agencies must ensure maximum accuracy in consumer reports. The following fraudulent accounts, inquiries, and public records must be removed immediately : 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  Under XXXX U.S.C. XXXX, I request expedited removal of this fraudulent information. The misuse of my Social Security number also violates XXXX XXXX. XXXX, which prohibits false representation. 

Additionally, under XXXX XXXX. XXXX, furnishers must report accurate data and conduct proper investigations. I demand a full review under XXXX XXXX. XXXX, with the removal of unverifiable or inaccurate items. 

Failure to act promptly XXXX lead to legal action to enforce my rights under the FCRA and FDCPA. I have attached supporting documentation and request confirmation of your investigation within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My recent credit report review revealed some billing mistakes. The listed late payments are not representative of my usual timely payments. Id appreciate it if you could resolve this and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I wrote them a letter more than 30 days ago and asked them to verify a number of things and to get back to me within 30 days. They failed to do any of this and are still reporting and trying to extort me for federal reserve notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime banking advertises My Pay as an option to access all of your potential before your regular payday. Chime also claims that whatever the amount that you are approved for via My Pay, a customer can obtain that total amount immediately. These claim are not true based on the fact that Chime only releases the amount the customer is approved for in increments only. If the customer is approved for {$300.00}, it will be dispersed daily in increments of {$82.00}, {$42.00}, {$41.00}, etc until that {$300.00} limit is reached. Chime also charges a {$2.00} fee to access these funds immediately, or they are free if one can wait 24 hours. These fees are included in the amount that you are approved for, so the customer will never access the full amount of money, but will be charged for it. This is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I keep getting notification of inquiry check on my credit report. I have not applied for a loan or credit card. Here are the companies I'm getting this from. 


XXXX XXXX Onemain Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have already attempted to resolve this matter directly with the credit bureaus by submitting disputes through their online platforms. I have requested that they provide proof of the accuracy of the information in question, but unfortunately, I have not received a satisfactory response. As a result, I am seeking assistance through this complaint to ensure that the matter is addressed appropriately. 

This response tactfully conveys that youve already made efforts to resolve the issue and are now escalating the matter for further resolution.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am demanding the immediate removal of fraudulent accounts and incorrect information on my credit report. I am a victim of identity theft resulting from the Equifax data breach. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to maintain accurate records, and your failure to do so has caused substantial harm to my credit profile. 
Violations of the FCRA : 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) : The credit bureaus are required to block information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Despite my compliance with these requirements, the fraudulent accounts remain on my credit report.

15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) : Credit bureaus must investigate disputes regarding inaccuracies within 30 days of receiving a dispute notice. The credit bureaus have either failed to conduct a proper investigation or have provided no resolution.

15 U.S.C. 1681e ( b ) ( Requirement to Ensure Maximum Possible Accuracy ) : The credit bureaus are obligated to maintain accurate information in credit reports. Reporting fraudulent accounts, despite being notified of identity theft, is a violation of this standard.The continued reporting of fraudulent accounts has caused significant harm to my financial well-being and reputation. These inaccuracies affect my ability to access credit, housing, and other essential services, placing undue stress and burden on me as an identity theft victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: FL

Complaint narrative:
Checkr , Inc. XXXX XXXX XXXX XXXX XXXXXXXX masquerading as a background check company. 

Their entire operation reeks of malice and deceit, leaving XXXX XXXX of XXXX from beginning to end in the process. This complaint isn't about minor missteps ; it's about a company that thrives on XXXX  people over. 

Here 's a glimpse into Checkr 's XXXX  of unethical practices : Ignoring the Law : They disregard and ignore legal written requests for copies of past background checks and consent forms, as if the law doesn't apply to them. 

XXXX MONTHS WAITING FOR THEM TO FINISH MY BACKGROUND CHECK, THEY HAVE CANCELLED IT 4 TIMES IN 6 MONTHS! NOT COUNTING THE TIMES THEY WILL PAUSE IT FOR NO REASON AND YOU STILL WAITING FOR XXXX BECAUSE THEY DONT ANSWER CALLS, EMAILS AND THEIR CANDIDATE XXXX DOES NOT WORK! 

THEY CLEAN THEIR XXXX WITH THE ADVERSE ACTION AND OTHER NOTICES THEY SHOULD PROVIDE, After canceling your report for no reason then go behind your back to feed information to employers like XXXX. It's a XXXX XXXX XXXX XXXX XXXX A cowardly tactic designed sabotage to leave you wondering and hopeless while they profit from it. 

They partner with lawyers who would denied representing you and then cut them a check, greasing palms to ensure you can't fight back in court. It's XXXX XXXX XXXX XXXX XXXX XXXXtion Checkr 's actions are a disgrace to the business world. They operate with the transparency of a brick XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They're not a company ; they're a menace to our society, preying on the vulnerable and profiting from their misery because each time they cancel a report and the employer requests another one they charge them again and again while the employee on the other hand waits HALF A YEAR SINCE XX/XX/year> for them to complete a XXXX simple report that even a kid can do. 

Talking about kids and family, HOW CAN WE PUT OUR JOBS, INCOME AND INFORMATION IN THE HANDS OF SUCH A PIECE OF XXXX COMPANY with THOUSANDS AND THOUSANDS OF HORRIBLE REVIEWS ALL OVER THE INTERNET AND EMPLOYERS STILL USE THEM IS XXXX UNBELIEVABLE! 

This isn't just a complaint ; it's a XXXX XXXX XXXX XXXXxpose Checkr for the frauXXXX XXXX XXXX XXXXXXXX they are. Shut them down. Prosecute them to the fullest extent of the law. I would educate my self and wont stop until they get what they deserve! Warning to any company that dares to hire such a careless company with XXXX human decency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
My credit report contains inaccuracies under 15 USC 16c-2. Specifically, the hard inquiries were not authorized by me and negatively impact my credit score. Kindly remove them 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 non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with explanation