vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Today, XX/XX/2023 I got a notification from my credit monitoring agency that PenFed pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. Penfed has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act PENFED has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
In Accordance with the Fair Credit reporting Act Aspire Card  Account # 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 : II also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: AK

Complaint narrative:
XXXX XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine 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 2023-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
We applied for a $ XXXX HELOC with Loan Depot to consolidate high interest accounts on XX/XX/2023. Loan Depot ran our credit reports and established our home equity amount of over $ XXXX and started the approval process. A document portal was established on their website to upload the requested documents for loan approval. We provided all documents as requested including documents that we dont feel were pertinent to the approval process. One such request was a detailed explanation of income increase from the previous year. Although we felt it was overreaching, we provided the documentation. They continued to request this task although we had uploaded it multiple times and forwarded to the email provided. Each time we thought all tasks were completedthey would add more. They kept changing the loan documentation requirement descriptions for documentation they already had. We provided more financial information than we have ever provided for any of the loans, mortgages or credit cards we have applied for in the past. My wife and I have good credit, sufficient income ( even by their conservative calculations ) and more than sufficient equity in our home. On XX/XX/ we determined after providing document after document and the time spent with no communication and no approval response that it was time to withdraw our application. The loan advisor confirmed on XX/XX/XXXX  that he would withdraw the application. They advertise loan approval within 2 weeks and it was our impression that Loan Depot never intended to approve the loan and continued to make unreasonable requests to discourage us from continuing the process. As of this date XX/XX/, our loan portal with all our sensitive financial documents is still active for employee access. Since applying with Loan Depot we have had fraud and scam attempts via email and text. Based on our experience through this process they have demonstrated unfair lending practices and lack of security handling our sensitive financial information. I would not recommend this company to anyone contemplating applying for a mortgage, home equity or HELOC. It was our worst experience ever with a lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is continuing to report inaccurate information on my credit report. I have sent letters and complaints informing them that the account XXXX XXXX has the wrong payment information. Their only response was that they needed to verify my identity. I believe that this was a stall tactic, but I provided my proof of identity via mail and still nothing. The account was deferred during COVID and should not be reporting any late payments. Please understand that you are at fault for reporting incorrect information and according to many violations of the FCRA I can take this to small claims court. At this time, I am only asking for the late payments to be removed. There was never an investigation done on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Mr. Cooper refuses to cancel my mortgage insurance ( PMI ) despite an increase in property value resulting in a LTV ratio less than 75 % ( i.e. we have over 25 % equity in the home ). They will not accept an outside appraisal, even an official one for tax purposes, instead farming appraisal business to an affiliate who gave an appraisal WELL below what XXXX XXXX, XXXX, and XXXX estimate the value at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never opted in to have my information sold by Transunion. I do not have a member account with them and did not know I needed to " opt out '' of having reported information sold to third parties. Late last week, I applied for a mortgage through one lender who I submitted an application to and gave permission to run my credit. 

This morning I was woken up at XXXX by a lender I never contacted cold calling me trying to sell me a mortgage. It's now XXXX and I have received over 35 phone calls and 3 text messages from different lenders- one of who let it slip that they received " my inquiry '' from Transunion . 

I have gone onto the Transunion website and found the section that allows me to opt out of communications and have opted out of all selling of my information. Interestingly, I don't need an account to " opt out, '' which indicates to me that no one is actually " opting in '' to this information sharing. 

It it ludicrous that Transunion can get away with selling information that I have not given them permission to sell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA. XXXX To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


TransUnion Negative Addresses To Be Deleted XXXX XXXX XXXX. 
XXXX XXXX, Mo. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Negative Accounts To Be Deleted XXXX XXXX {$440.00} XX/XX/XXXX TransUnion Negative Inquiries To Be Deleted XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In Accordance with the Fair Credit reporting Act Destiny Account # XXXX XXXX XXXX XXXXhas 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 : II also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ALCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ALCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately.

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torriere Holdings INC
State: ID

Complaint narrative:
Attempted to further collect on a debt already paid in full after sending proof that there was no debt owed to any party including a letter saying it was paid in full. Still attempted to collect debt and contact me at abusive times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX Account name:XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Accont name : XXXX XXXX  XXXX 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name:XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Accont name : XXXX XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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, 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
XXXX XXXX I received a communication from WAKEFIELD & ASSOCIATES , LLC about an alleged debt at my location that I responded back to via certified mail green return receipt in which I also have a copy of the communication that I sent out on XXXX XXXX in response to your communication disputing this alleged debt. Theres no information in their communication that instructs said consumer how to dispute this alleged debt. Also Id like to inform you that your company is in violation for violating my rights to privacy which has caused me a great deal of mental anguish and XXXX. 

I also like to inform WAKEFIELD & ASSOCIATES , LLC that a copy of your communication is attached with some of the Federal Debt Collection Practices Act violations your company acted in while engaging in trying to collect this alleged debt from said consumer as well as the copy of the notice of dispute said consumer mailed dated XX/XX/

Company response to consumer: Closed with explanation