vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their persistent failure to respond to my dispute letters concerning inaccuracies in my credit report. Despite multiple efforts to resolve this issue through the appropriate channels, the credit bureaus have not fulfilled their duty to acknowledge or investigate my disputes, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Even after several submissions, the credit bureaus have failed to provide any response, confirmation of an investigation, or correction of the disputed information. This lack of action is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for additional details. Thank you for your assistance.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 1XXXX U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This complaint is against Nationstar Mortgage and its brand names RightPath Servicing and now XXXX XXXX. 

Understand, Nationstar, Mr. Cooper, Community Loan Servicing, RightPath Servicing and XXXX XXXX are all the same company under different brands. 
In a letter dated XX/XX/year>2024 representative, XXXX XXXX, attempts to separate XXXX XXXX XXXX as a company ultimately managed by Nationstar/Mr . Cooper. This happens on page 1 paragraph 2. 
XXXX XXXX does this to deceive the reader in hopes of justifying the continued failure to produce the document I have been requesting for over two years now. I have and continue to request a copy of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to reference in her letter. 
On page two, paragraph 3 of this letter, XXXX XXXX falsely claims her justification for XXXX can be found within the XXXX XXXX XXXX on page 65, section 2. The problem is there is no such page 65 or section 2 as she claims. 
A copy of the alleged document she claims to quote has never been provided by the servicer as requested, repeatedly requested for two years. 

On page 2, paragraph 6 XXXX XXXX states, I would like to clarify that we can only provide documents to the extent that they were provided to us by the prior servicer. We strive to furnish comprehensive and accurate records, but our ability to do so is contingent upon the information we receive during the transition of services.. In other words, Mr. Cooper has trouble getting documents from Mr. Cooper. This is why XXXX XXXX used deception on page 1 paragraph 2. 

This complaint is for the continued failure by the servicer to provide legally requested documents to the borrower. 

This complaint is not a duplicate complaint as it is in response to the continued refusal to produce, by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I want to place a freeze on the XXXX XXXX XXXX XXXX, XXXX, Innovis, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted capital one previously to fix this issue because their representative made a critical mistake by processing my payment INCORRECTLY. They called me and alerted me they were closing my account due to reasons unbeknownst to me and I paid my account right then and there in XXXX, however their negligent employee put in the computer only XXXX causing my account to go into delinquent status. I mean lets talk about what REALLY happened since Capital One did not state this FACT and error in their letters they wrote to these credit companies!! 

. Instead of properly admitting this occurrence, ( which was recorded over call ) they wrote a letter stating no mistakes were found but they still asked the bureaus to update my report which is bullsh*t and not taking accountability for the NEGLIGENCE on their end.. This is extremely conflicting seeing as how correct info must be reported BY LAW. 

Fast forward to today XXXX is the only bureau falsely reporting this negative and incorrect information. I spoke to XXXX of XXXX XXXXXXXX today name XXXX who told me these delinquent payments dont matter because this account is closed but this is a LIE from the pits of XXXX because I am homeless and getting denied apartments for this delinquency so Ill definitely be contacting a lawyer about that. 

Not only that but she transferred me to a supervisor XXXX who denies receiving these letters from Capital one and rudely hung up the phone on me when I tried to ask for his name and was not helpful at all. Luckily I remembered his name because the first rep stated it. XXXX filing another report so capital one can PROMPTLY and CORRECTLY use the proper language so these delinquencies can be updated to PAID ON TIME because it was!!! 
It is unacceptable to say they are no errors found when CLEARLY they know the horrible mistake they made but if they want to sit and play like they dont know there are definitely attorneys for that because I know this is highly illegal. 


The conversation I had with them about their rep INCORRECTLY processing my payment is also on a recorded call so they cant try to lie their way out of this one. AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to place a freeze on the Consumer Credit Reporting Companies, XXXX, XXXX, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.

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 2024-08-21 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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and accounts I do not recognize are continued here. 
XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries do not relate to me or my creditors.

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 2024-08-21 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: NY

Complaint narrative:
i was reviewing my credit report and noticed that i had inquiries that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I have taken XXXX XXXX XXXX' payday advance charges with Stride Bank/XXXX until XX/XX/year>2024, on XX/XX/scrub> 2024, I filed a XXXX. XXXX Bankruptcy in the District of Kansas Case Number XXXX. When I contacted XXXXStride Bank to advise them these charges needed to be discharged they advised they are exempt from federal laws and that I had to pay the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Florida. I received {$110.00} monthly, which changed in XX/XX/XXXX, to {$88.00}. On XX/XX/XXXX the plan was still " XXXX '', but in XX/XX/XXXX it was changed to " XXXX XXXX ''. I never requested this change. In addition, I received a " Payment Plan Change Denial Letter '' from XXXX dated XX/XX/XXXX. Which stated that they were '' unable to process your request for a XXXX XXXX XXXX '' They didn't deny anything I changed my mind and notified them. This action by them XXXX have affected my credit rating increasing interest costs. This matter I will investigate further. They should restore the funds they did not pay me. In addition they they should restore my " XXXX XXXX '' standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: WA

Complaint narrative:
In XXXX of XX/XX/XXXX I made a purchase utilizating Sezzle 's buy now pay later service. There were issues repaying the loan one-time ( one week after purchasing ) so I returned the goods to the store I purchased them from whom in turn credited Sezzle. As a result, my balance with Sezzle should have been {$0.00} yet they continued to deduct from my checking account. I notified Sezzle of their error but they continued to attempt ACH withdrawals from my account. On XX/XX/year> I sent a cease and desist to Sezzle demanding they immediately stop ACH withdrawals and to this day they have not honored the multiple cease and desist letters I have sent in writing. They stated and I quote " will not honor my cease and desist until I sign their agreement claiming I still owe '' even though I owe them XXXX. I have notifications that they have attempted over XXXX ACH withdrawals from my account since receiving the cease and desist and attempt multiple times a day as recently as yesterday ( XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX XXXX Date of Inquiry XX/XX/XXXX2024, XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX Date of Inquiry XXXX/XXXX/2024, XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XXXX/XXXX/2024 & XXXX  Date of Inquiry XXXX/XXXX/2024

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