vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: MO

Complaint narrative:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact EquiFax online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MO

Complaint narrative:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX Mortgage. XXXX XXXXXXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX from another representative from XXXX XXXXXXXX XXXX  soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

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 2023-11-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor 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 card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Mobiloans, LLC
State: OH

Complaint narrative:
There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2023, I noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously.

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 2023-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
The VA loan I took with XXXX XXXX was quickly sold to Newrez after closing. I have been in this building for 3 years having purchased a unit with a VA loan through XXXX which was transferred to XXXX XXXX. I sold that unit a purchased a larger one in the same building financed through XXXX Mortgage. After the loan was transferred Newrez notified me the HOA insurance was inadequate, it was fine for XXXX XXXX. Newrez is charging me for additional insurance which it seems I have no choice. According to the letter sent to me Newrez claims they don't have the documents proving insurance from the HOA but I have sent them documents and talked on the phone for a long time with their rep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

Complaint narrative:
SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I received in the mail a notice that my account had been sent to collections. This was the first and only correspondence about the bill going to collections. I received no call from the company or any emails from the company. This was the first thing I get. they gave me no time to correspond with them about making any arrangements or trying to find out information about the cause of lateness. I feel this could have been avoided if they had taken the time to reach out to me. They had all my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This man and his colleagues completely ruined my XXXX XXXX as a home owner. I worked six months of overtime after I was pre approved for a XXXX XXXXXXXX XXXX mortgage. This man delayed my closing 3 differnt times and made me resubmit my application 3 differnt times. By the fourth closing attempt with my professional realtor from XXXX Results XXXX Indiana, he completely denied my loan after making me pay for appraisal fees and inspection fees. My realtor tried to get him to reimburse atleast half of my money and they refused. My realtor said it was the worst-case she had ever dealt with in her entire 30 years of realistate experience. I had a conventional loan. After talking with a loan advisor from XXXX XXXX. They informed me that this man most likely gave me bad advise on purpose so he could resubmit my loan information for profit. He also told me that this happens all the time with bad reps as everytime they make you start over they get paid for it. I still have all the confusing emails and emotional outburst of the most humiliating, degrading home buying experience I've ever dealt with. 

This man and his colleagues ruined my new beginning. His manager did not help me or my realtor either, as we both tried to hunt them down after the first rep mysteriously quite in the middle of my loan process. We even had to stoop as low as calling his secretary for answers about my loan information. I deserve justice. I deserve to be in the home that he scammed me out of. The house that was later resold at a higher asking price after my inspectors did all the dirty work. Im giving you his information below. Please vindicate me and my son. We are currently renting an apartment because our new beginning was stolen from us. I was almost homeless because of these people. Please help me. His manager won't help and everything always ended in we are in a meeting and we will call you back. I lost well over XXXXXXXX XXXX and six months of my life with my Son trying to appease this monster. 

XXXX XXXX XXXX Mortgage Consultant XXXX XXXX XXXXXXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX XXXX XXXX Ext. XXXX eFAX : 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 explanation
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to buy the car and drove off the lot and XXXX minutes later I was stuck in a intersection unable to go because the transmission had went out, the dealership towed the car back to the dealership and I signed a contract to cease the autoloan and possession of the car and received a check same day with the money I put down, and this loan is still on my credit report as if I still own the car and make payments when I dont. There is also missed payments reported when this is not true.

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 2023-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to buy the car and drove off the lot and XXXX minutes later I was stuck in a intersection unable to go because the transmission had went out, the dealership towed the car back to the dealership and I signed a contract to cease the autoloan and possession of the car and received a check same day with the money I put down, and this loan is still on my credit report as if I still own the car and make payments when I dont. There is also missed payments reported when this is not true.

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 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2023 : applied for loan. 
Throughout XX/XX/2023 : XXXX XXXX said I would get tons of emails, texts and phonecards from mortgage companies because I'm applying for a loan and my information is public while a credit check is being done? Voicemails, texts and emails flooded my devices. Wrecked one of my phones with a virus. 
XX/XX/2023 : signed docs with notary, she stated loan looked " funny. '' Then there is a class action lawsuit for a cyber breach against Mr cooper. I had to freeze accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
To whom it may concern, I am a good- standing customer of XXXX who has been trying to return an item to Gerd detect that was purchased by mistake for more than three months. The seller has been totally uncooperative with my numerous attempts to acquire a return label. The item is expensive and because I am XXXX in XXXX  years of age I do not have the resources to pay {$10000.00} with the interest For an item that was purchased by mistake. My attempts to return. The item were met with an organized intervention meant to stall and prevent the return process. Rather than allowing me to return the item, the seller has stalled, lied, and deleted my attempts to return the item within the return deadlines. The seller had posted an out of service screen on the XXXX site for more than three months, preventing any attempt to return the item. I tried to cancel the order a few days after I ordered it but because the item has shipped I couldnt cancel the order so ever since late XX/XX/ I have been trying to return the item. XXXX has been basically unresponsive, and the seller has been totally Unresponsive. they have deleted all my attempts to return the item within the return deadline, but failed because the history of all my attempts are recorded in my phones, my XXXX XXXX and my computers history. They also promised if I removed a negative review that I posted on XXXX, they would allow me to return the item and get my refund. They have also failed to do that. I have almost all of my facts screenshot on my phone and had them printed at XXXX. My account has been hacked and my timely attempts to return. The item are gone from my account but I have them screenshot it on my phone. They have engaged in very deceptive practices, just to keep me from returning an item. I am not very computer literate but I am trying my best to show how deceptive these people can be. Also, the lender Affirm is threatening to turn my file to Credit agency to damage my credit, which is excellent. Whatever you can do to help me will be greatly appreciated. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: NY

Complaint narrative:
On XX/XX/XXXX I was approved for a car refinance loan through an Auto Pay lender. I worked with an agent- XXXX XXXX and had the documents notarized and sent the following Monday, XX/XX/XXXX. XXXX called me on XXXX and noted I missed a signature on one of the pages, then noted I needed additional documents. I told him to send me something in writing so that I could get him the documents. I never received an email listing the documents so I followed up with him the next week and was ignored. On XX/XX/XXXX he texted me and said he sent the email but I responded I never received an email and tried to verify my email address. I was ignored again. On XX/XX/XXXX I wrote the company and email asking for a new agent as the loan process has been delayed due to unresponsiveness. A new agent called me on XXXX and said I would have to start the process all over again and would require another hard credit inquiry. 

I declined applying AGAIN since I did not want another hard inquiry and I don't trust this company. I am concerned my data may have been used inappropriately or stolen. The company refused to give me anything in writing and would only call me to apologize.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation