vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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 recently checked my credit report and saw accounts and inquiries reporting that I do not recognize and or authorize to be made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I have been in the process of a loan modification for quite some time. I thought that it was all going to finally be over when I made the double payment they requested on XXXX. They sent me the modification paperwork which was signed by me ad my husband and sent back notarized on or around XXXX. I called to acknowledge their receipt and they confirmed they received my signed documents and it would take 30 days to process and sent back to XXXX XXXX XXXX and out of loss mitigation. I also confirmed with the associate that the next payment I had to make was XX/XX/XXXX as stated in the paperwork. They agreed with me. I called on XXXX to make payment and check on the status of the modification getting processed. The gentlemen informed me they could not process the modification because the amount was not matching up with the paperwork they sent me. He said I had to make two payments for them to process the modification. I made the payment on XXXX and and the second payment on XXXX. They told me I would be all set now and it should be processed in a couple weeks. I called to check on the status a couple times and they still said it was still waiting to be done. I called to make my XXXX payment on XXXX and the person said it still was in underwriting and not processed yet, they were not sure why. I received a voicemail for a call back on XX/XX/XXXX and called that evening. The person I spoke with told me they were calling because I missed XXXX payment. I went through all my records with her and told her the payment was made. She told me the person who took the payment put it towards XX/XX/XXXX ( a mistake made by them not me ) She then proceeded to tell me that if I didnt make another payment my modification would not be processed. I was not allowed to speak to ay supervisor. I explained to her all the payments that were made after the modification paperwork was sent. XXXX {$3100.00} to go towards XX/XX/XXXX - XXXX {$3100.00} to go towards XXXX payment XXXX {$3100.00} to go towards XXXX payment. She told me the only way it could be fixed was to contact the research department ad gave me their email. I emailed them XXXX and have not heard back anything. I sent a follow up and still nothing. This modification process has been taking almost a year and it is absolutely unacceptable I am being punished for someones error. Every day longer this take my credit takes a toll.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I filled out the contact form on the Nelnet website while logged into my account. I never got a response. On XX/XX/XXXX I sent a separate email to the email address demanding a response from the email address associated with my account. After 6 days they responded asking for my account number and info and my question. I gave them all of that in response on XX/XX/XXXX and they never responded. I followed up on XX/XX/XXXX asking again that they respond. They responded today refusing to assist me via email and saying I HAD to call. I can not call due to my work hours and their call center hours, and when you do call the wait times are hours long. They must reply to me and help me by email. They have illegally capitalized interest payments into my loan without informing me they are doing so. They also have the incorrect schools on my loan. One school is listed at XXXXXXXX XXXX and the only money I owed them was dissolved in bankruptcy so if they want me to take this loan back to XXXX XXXX I will, but the loan actually belongs to XXXX XXXX, they both do. I do not owe any money to XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.

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 2024-01-30 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 wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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:
I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.

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 2024-01-30 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-31 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: NJ

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/23 I file a dispute with Capital One Credit Card XXXX for a Charge of {$450.00} from XXXX by XXXX XXXX. Capital One Case # XXXX. 

On XX/XX/23 I check in the XXXX hotel around XXXX XXXX and check out on XX/XX/23 around XXXX XXXX due to the room being dirty and lack of internet service or TV. 
I went to the front desk and informs of this conditions to the clerk. She said that they were having some problems, apology, check me out and gave me a copy of the bill with {$0.00} charge. 
Capital One credited my account for the full amount of {$450.00} and them on XXXX XXXX 2023 Capital One Reapply the XXXX of {$450.00} to my account. 
capital One made this decision base on a Confirmation Showing No cancellation per policy received from?. 
I did not cancel my reservation I check in and OUT because of the dirty conditions of the room. 
I provided Capital One with copy of the XXXX XXXX XXXX with {$0.00} charge, also provide the phone # and name of the Hotel Front Desk Clerk and Supervisor in order for Capital One to Verify the Credit.They NEVER did. 
As of today Capital One is Charging my account the full amount of {$450.00} plus {$40.00} for late charge fee and {$12.00} interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Cease and Desist from Reporting Fraudulent Accounts Dear Experian, I am writing this letter with grave concern and utmost urgency regarding the fraudulent accounts erroneously listed on my credit report under your supervision. This is not just a request ; it is a demand for immediate action in compliance with the Fair Credit Reporting Act ( FCRA ). The following accounts have been fraudulently opened in my name and I categorically state that I have no association with these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notably, these accounts are not present on my credit reports from XXXX and XXXX, highlighting a significant discrepancy in your reporting practices. Under Sections 609 and 611 of the FCRA, I demand the removal of these inaccuracies. Your continued reporting of these accounts, despite my previous notifications, is a direct violation of my rights under the FCRA. Should these inaccuracies persist on my credit report, I am prepared to take legal action, including seeking damages of {$1000.00} per account as stipulated under Sections 616 and 617 of the FCRA. I expect a written confirmation from Experian acknowledging the receipt of this letter and detailing the actions taken to rectify this situation. Your failure to act promptly and appropriately will leave me with no option but to seek legal recourse. 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 explanation
Consumer complaint received 2024-01-30 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: KS

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 2024-01-30 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: KS

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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have requested Several times for Preferred CMS to Cease and Desist from using and is PROHIBITED from using, reproducing, publishing, buying or selling the Private Property XXXX XXXX XXXX associated with social security # XXXX of the Estate. They will not stop contacting me about debt I do not owe. I do not have a contract with Preferred CMS. If they can produce a contract that I have with them they need to forward it to me. 

15 USC 1692 - Communication in connection with debt collection, https : XXXX ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-01-31 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

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 2024-01-30 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: IL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
XX/XX/XXXX me and My Wife went to freedom XXXX XXXX and XXXX in XXXX XXXX we wanted to explore the lot to look for something reasonable that we could afford and they put us in a XXXX XXXX XXXX. The price was XXXX by the XXXX XXXX XXXX. The interest rate came up to XXXX then the same day it went up to XXXX. They added My Wife on the contract with me. They took her off and left me on there with her income stating that I was making {$3200.00} a month but that was a lie I was only making {$2600.00} a month. Shes not on the contract its only me for the vehicle that I have is {$1100.00} a month. I was supposed to be a cosigner for My Wife the bank that they giving me is in Texas. I have no clue about Ive contacted the bank numerous times, and told them that I could not afford this vehicle I wish to trade it in, they told me I could not try the vehicle because the loan was too high Me and My Wife went to three different car lots and they told us they can not take the vehicle because it was from XXXX. Another car lot told me that were upside down because they added on XXXX more dollars on the vehicle. The bank knew all about what XXXX XXXX he did, Ive contacted freedom XXXX back in XXXX when I got the vehicle and asked him could I trade the vehicle in because the monthly bill was too high and I can not afford it anymore. I need something cheaper. I also try XXXX XXXX and my credit score is just too low for me. I dont have a license or permit, so My Wife has to drive the car, the bank is not doing anything about it. XXXX just saying that they are going to repossess the car. If I dont start making payments, I have other bills I have to pay XXXX XXXX by my own food. I cant afford that monthly payments just too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
This debt collector used unfair, abusive, and misleading tactics that are prohibited under the FDCPA. They provided this account, for which I did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they did not adhere to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to {$1000.00} for each breach under the FDCPA, and it's obvious that they infringed my rights. 

I'm going to have to send this to my litigation attorney if this corporation doesn't remove this account from all three credit reporting agencies and pay me for the violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation