vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: TX

Complaint narrative:
I am filing this CFPB, complaint concerning inquiries placed on my consumer credit files. I was made aware of the inquiries back in XX/XX/2022. When I was sen a letter of denial for credit. On a vehicle loan application. 

From XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all made on XX/XX/2022. At the time these inquiries were made I was out of town attending a funeral. I did not find out about the inquiries until a week later. 

It was at this time I found out that the loans inquiries were made on the same date. I immediately contacted all three companies and advised them that I did not do a loan inquiry with their companies for vehicle loans. 

I started a complaint with both XXXX, and XXXX XXXX, and XXXX XXXX XXXX XXXX and they advised me that they would do an investigation. I assumed that they would investigate and remove the inquiries. I filed FTC complaints and forwarded it to the companies. And sent a copy to all three major credit bureaus. 

I reeived a copy of my Equifax Information Credit Report today. As, I was checking it I saw that the three inquiries were still on my report. I then called XXXX, spoke with the customer finace in vehicle loans departmenmt. I was advised that they did not see a loan of application for a vehicle. 

Nor, did they see any inquiries with my name for a line of credit. And did not know why a inquiry from XXXX was on my credit report. Infact, they did not even have my name in their systems at all for any line of credit. 

I also contacted XXXX XXXX, and XXXX XXXX XXXX XXXX also. No company could provide me with any application information for a vehible loan at all. Therefore, that this was a result of fraudulent activities. 

I am demanding that this complaint be sent to all three companies. XXXX XXXX, and XXXX, and XXXX XXXX XXXX XXXX XXXX to remove these inquiries from my credit files. Last year I was advised that the fraudulent inquiries would be removed. 

But, apparently were not removed and could not give any infomation as to why they were on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
Lets try this again. 

Lower Holding sold my Mortgage to XXXX. Instead of transferring two months of payments they transferred 1. I filed a cfpb complaint and Lower stated they had sent all the payments and XXXX verified it with me. Please find attached a print out of the email response from XXXX stating they have NOT received all the payments. Please find attached the screen shot from my bank showing Lower DID receive all the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I obtain a loan with One Main Financial. Its been a horrible process. They approved me with a larger amount and 2 hours before I come in to sign they change it to a lower amount. I was desperate and took the loan, trying to pay but having other financial issues due to the lies of the help desperate people to trying to get a loan, I filed a complaint with the executive office i was getting a response and then they ghosted me I am getting multiple calls sometimes 4 times a day like today and 12 in week this week along with multiple text messages I have told them over a week ago that they have called me now 10 times in the last 4 days I said i would be in the Wednesday of last week and to stop contacting me wasn't even a 2 hours and getting another call they respond and say ok we will make a note and they still call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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:
I'm a victim of Equifax data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
OnXX/XX/2023 I submitted a identity theft alert to XXXX  for Experian and XXXX for rental screening reports that listed an address, an account, payment history tradeline, and public records to include an eviction that all resulted from identity theft. On XX/XX/ Experian updated and concluded information listed associated with XXXX XXXX XXXX XXXX, NC XXXX and Account name- XXXX XXXX would be deleted from both my credit and rental report. On XXXX Experian Rent Bureau  sent an email via XXXX stating that information was accurate. XXXX XXXX did not provide any tangible evidence that I signed anything related to this property for renting purposes. Rent Bureau is trusting the verbal acknowledgement that forged lease agreement are viable to prove this is my account and rental history. XXXX XX/XX/2023 XXXX RentBureau case number : XXXX advised that nothing can be done on my part even with a police report and active investigation after data furnisher- XXXX XXXX, XXXX which managers the property that was fraudulently rented. XXXX stated that I, although am a victim theft can not stay on hold to speak to a supervisor, no matter the urgency of this matter. Rent Bureau- XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number : 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hello. 

my credit report looks very suspicious there is hard inquries and wrong balance showing on the report so im not able to do anything with it i tried to despute with company im not getting any result i have not had a car in 8 years i see hard inquries on my report I never had XXXX phone but it shows i owe them money and couple of credit card in my name that i haven't had in atlest 8 or 9 years so please help me take care of this problems thank you

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 2023-08-09 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: CT

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-09 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: GA

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.

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 2023-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
My name is XXXX XXXX, and I am an XXXX resident who consolidated student loans with my wife in XXXX. Ive been following the legislation to separate the consolidated spousal loans that President Biden signed into law in XX/XX/XXXXXXXX XXXX 

I have been patiently waiting for the Department of Education to issue guidance on separating these loans. Both my wife and I are public employees for sixteen plus years. We are eligible for Public Service Loan Forgiveness, especially now that the Spousal Consolidation Separation law is in effect. 

DOE has failed to provide any guidance on how to separate our consolidated loan and so we can transfer it to the DOE for PSLF eligibility. 

DOE has published a one-time IDR Account Adjustment for which I feel we qualify under the terms listed. However, because our loan is a spousal loan we can not complete the required steps because DOE has not provided the path to consolidate FFEL loans to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 90 Day Credit Experts
State: SC

Complaint narrative:
The scammers talk a good game and promise you the world to get you into a contract and threaten to turn you over to there collection agency and put negative information on your consumer reports for terminating them.Yea they did get 6 items deleted or I did myself because prior to hiring them I also sent out disputes of my own so who knows if it was me or there dispute thats got the six items removed any how they keep bouncing me from one person to another Ive had three in five months they warranty that your score will go up 100 points in 90 days or a money back guarantee I havent seen a increase nothing like they promise then had the nerve enough to say its because off the late payments in my consumer reports.They dont return your calls they always have a excuse but let it come time for payment and low and behold you can talk to anyone in the building these people need to be put out of business and quite scamming people by taking money before they do any work if they want to fight this Im fully prepared all I can say is if they are feeling groggy then jump because there aint no fence around this XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: TX

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.

The letters are stated with items and issues.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened up an account which shows on my credit report as SBNASELFNRD to be reported for one year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the one year period. After one year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as SELFINC/LEAD ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email Self Financial and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: NV

Complaint narrative:
I'm a victim of XXXX data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'm a victim of XXXX data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-08-09 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: PA

Complaint narrative:
I have been disputing this credit card account ending in XXXX for several months. 
OnXX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022, this call was also monitored.

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