vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent an email to MortgagePros, requesting the termination of my loan application and the transfer of all my documents and information, including the copy of the appraisal transfer letter and the original appraisal, to my new mortgage lender. Despite this request, MortgagePros has been unresponsive and refuses to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union is always XXXX points lower than other XXXX repositories. I have place disputes to resolve the erroneous info and they refuse to report accurately.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!

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 2024-09-04 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: AL

Complaint narrative:
Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: AL

Complaint narrative:
Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!

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 2024-09-04 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CT

Complaint narrative:
Since XX/XX/year> I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX XXXX and XXXX that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CT

Complaint narrative:
Since XX/XX/2023 I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX  XXXX and XXXX  that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, please hear me out, this has been going on for months trying to correct errors you made on your end and I am absolutely frustrated as my requests are ignored/disregarded. 

The information you are reporting on my credit is false, inaccurate and contains a lot of errors, this has been already removed by both XXXX and XXXX and have been blocked from reporting yet you continue to put this information on my report which violates my rights as a consumer. This is unjust and causing me tremendous anxiety, furtherly harming my life and financial opportunities.

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 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My old XXXX XXXX Santander Consumer USA incorrectly reported to the credit bureaus that I was more than 60 days delinquent on payments when I was not. My car was deemed a total loss after a car accident on XX/XX/year>, I continued to make my payments until my insurance paid the majority of the loan off, and I paid the remainder amount to pay off the loan in full to be able to get a new car loan taken out from a different lien holder. After paying off my loan in full to Santander consumer USA, they emailed me a Paid in full guarantee letter so I was able to secure my new loan elsewhere on XX/XX/year>. I got a notification from my XXXX that Santander reported my account as more than 60 days past due, and my credit dropped XXXX points when I already paid off my loan to them. I called Santander and they connected me to their platinum team, who, said they would call me back after I told them what happened and I wanted to make sure we were on the same page so when I start a dispute on XXXX, they dont have any more errors they are reporting so I can clear it up and get it removed from the credit reporting agencies. They told me they would call me back after submitting my complaint to the leaderboard within XXXX hours, and they never called. All I want is for a call back that this incorrect information that was reported will be removed and they know it was their error so when XXXX reaches out to them about the dispute, we are on the same page and they agree with my dispute. They obviously have a ton of errors and miscommunication going on with their end internally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I am requesting a pin from LEXIS Nexis, XXXX, XXXX, XXXX, i have a had some fraudulent activity on my credit report and want to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I received an email from Affirm saying " We recently reached out to you regarding taking precautions to protect accounts, and requested you to contact our customer service team ... Since we haven't heard back, your account is frozen to ensure the funds remain secure and protected. To lift the restriction on your Money account, please complete this webform ( XXXX XXXX XXXX  ), or call us at XXXX. '' This email is misleading and not true at all. I was never previously contacted about precautions to protect accounts. 
I called the number provided and was transferred to 3 different people. The first support agent told me my account wasn't frozen. I read her the email and she said " Oh, let me transfer you. '' The second person said I should just wait a couple of days and see if the issue resolves itself. The third person said I should fill out the webform. I asked why the email told me to call this number if they wouldn't help me. She didn't know and couldn't provide any assistance. This call lasted 31 minutes dealing with three agents who had no idea how to handle the issue. 
The " webform '' linked in the email is not a webform at all. It's a help center article with a Contact Us button. 
Now my account is frozen and there are no humans at Affirm who can tell me why I received such a misleading email, or why my account is frozen, or how to unfreeze it. Terrible customer service and communications team. I will be moving money out of Affirm as soon as my account is unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXXXXXX XXXXE XXXX ( Original Creditor XXXX XXXX XXXX ) bal. {$820.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) bal. {$390.00} XXXX XXXX bal. {$23000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX NA XXXX XXXX ) XXXX. {$590.00} Inquiries XXXX XXXX XXXX XXXXXXXX XXXX Company XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-04 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: MOHELA
State: GA

Complaint narrative:
On XXXX XXXX a payment of {$XXXX} was made to MOHELA through my XXXX pay at XXXX XXXX. This payment was not applied to my student loan. Dialog and communication with XXXX XXXX indicated that the money was sent to and received by MOHELA. That fund was never returned to my account and MOHELA has my account in past due. I uploaded communication from XXXX XXXX  to say MOHELA had received the payment. Repeated and numerous calls with extremely long wait times are proving futile in resolving this issue. At times representatves answer the phone place you on hold and never return to conclude the conversation. I am requesting that thorough investigation be doe in regards to the missing funds which was never applied to the account nor returned to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-04 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:
RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX CARD - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation