vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 explanation
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
My issue is with Mohela. I received a confirmation email on XX/XX/2024 that my XXXX  XXXX  was set up. So, I expected my XX/XX/XXXX payment to be automatically XXXX  from my account. However, when I logged in today, it shows my account as XXXX  due. So, I promptly made a payment but I am fearful that Mohela is out to wreck my credit by reporting my account as XXXX  due when they confirmed ahead of time that they would XXXX-XXXX  my account ( which they did not do ). I think this company is incompetent. I have been on an XXXX XXXX  plan for XXXX  years with XXXX but consolidated back into federal for forgiveness and the XXXX plan. But OMG -- they are more incompetent than XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-03-09 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: IA

Complaint narrative:
Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Remove all information reporting from XXXX and the settlement XXXXXXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and TransUnion. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your TransUnion report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: WA

Complaint narrative:
Remove all information reporting from XXXX and the settlement XXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and XXXX. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-03-08 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:
When I went through my credit profile I seen inquiries that do not belong to me.

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 2024-03-09 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: GA

Complaint narrative:
The said company has received my personal information illegally and without consent. I do not consent to having said information reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I have been asking Selene to justify my loan balances by giving me accurate figures.

I am behind because of COVID restrictions and rules, however after receiving conflicting information from Selene I have been asking and disputing my loan balances. 
After returning to work after COVID mandates. I applied for a modification. Selene has repeatedly denied giving me a medication. 
On XX/XX/XXXX Selene sent me a statement and reinstatement amount for XXXX. I started questioning the amount. I kept asking for an accounting On XX/XX/XXXX, I received another statement showing XXXX. I immediately call Selene to inquire as the which amount is ligitimate. No one was able to give an accounting or point out the error. To date no one at Selene or any other of the previous lenders has given me an accounting of any errors regarding this mortgage loan. 
Please see attachment for statements and reinstatement quote. I am still disputing the valves not that I signed. I am currently disputing the accounting and balances owed. 
These mistakes has created a real hardship and I feel I should be allowed to continue with making my loan balances. Selene mistakes has cause me not to qualify. I am asking for a complete accounting showing why XX/XX/XXXX statements is due XXXX and the current for XX/XX/XXXX for XXXX to reinstate. 
Selene has cause additional hardship other than COVID restrictions and guidelines They disqualified me based on inaccurate information. I am asking for a complete breakdown of all transaction from the time I incurred this mortgage until present. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CITIBANK, N.A.
State: SC

Complaint narrative:
In or around XX/XX/2024, a credit account was fraudulently opened with my personal information at Wayfair via Citibank. In or around XX/XX/2024, I received notice of this fraudulent account via a Wayfair statement mailed to my address demanding roughly {$950.00} for purchased goods. I contacted Wayfair and informed customer service that I have not done any business with Wayfair or Citibank, and the account in question was fraudulent. Wayfair conducted an investigation and determined that since my personal information was used, I would be liable for the charges and that the unpaid balance would be recorded on my credit report. I intend to pursue legal action if Wayfair and Citibank can not correct this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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:
they are furnishing information that I was never informed of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: MI

Complaint narrative:
I went to the XXXX department and at that time I had insurance and was checked by the front desk the attached file will reflect this. I do not understand why they sent me suddenly a letter from a credit collector. 
I am already paying another bill in XXXX XXXX for the emergency physicians which is XXXX dollars per month and it is unfair to me. I am the only earning member of my family, still in school, a total family of XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was looking at my Citibank checking transaction and discovered that someone hacked my account and made two unauthorized transfers on XX/XX/XXXX and XX/XX/XXXX. 

One transaction {$130.00} XX/XX/XXXX Two transactions {$2300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I reported this illegal remittance to Citibank on the same day and got a refund of {$130.00} but refused to refund the two unapproved transactions that took place on XX/XX/XXXX. 

it was an unauthorized transaction, but they refused to refund it, saying I approved it. Attached below is the answer to the Citibank survey results Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX Dispute XXXXXXXX  On XX/XX/XXXX, you authorized person-to-person payments for the total amount of {$2500.00}. 
Based on our research and the information you provided, we are unable to honor your claim. 

The person to person payments were sent to the recipient in accordance with your instructions. You may wish to reach out to the recipient directly to resolve this matter. 

I did not approve these two transactions, I don't know who the transaction was sent to, I don't know about what happened, and I saw and recognized that the transaction took place in my checking account transaction. 

I'm serious about this situation, and I'm under a lot of stress. 

And I reported the issue to Citibank again.

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 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove these accounts from my report. They are hurting 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 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The original lender promised not to sell or transfer my loan ; however, it was transferred. Finally, it wrongfully transferred from XXXX to Wells Fargo who foreclosed on me despite me supplying appropriate documentation that proved I qualified on all levels for the loan forbearance program.

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 2024-03-08 00:00:00
Product: Student loan — Private student loan
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: Nelnet, Inc.
State: WI

Complaint narrative:
FirstMark Services will report to credit bureaus on past due accounts at ( 60 ) days on last day of the month- at XXXX hours ( I was not aware of deadline, and was under the impression I would have until XXXX hours to make a payment ) My payment was less than ( 3 ) hours late. 

I called Firstmark Services today, and spoke with many different people. They all said they were unable to help me, and there was nothing I could do. I searched the internet for help, and decided to reach out to XXXX for information/assistance. They were extremely helpful and worked with me via the phone to enter a formal dispute. They said it would be in my best interest to call back the creditor ( Firstmark Services ), to make them aware of my dispute, and ask for collaboration, as this was a genuine gap in communication and the payment was technically received on the deadline of XX/XX/XXXX. 

I called Firstmark Services back to make them aware of the situation and ask for collaboration, as these derogatory marks against my credit were significant.The supervisor essentially laughed at me during the call. He said they would not work with XXXX through the specific details of this situation to help me out. This has been a very discouraging situation, especially under our current student loan crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is 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 2024-03-08 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: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
AMERISAVE MORTGAGE did a hard credit pull and charge {$43.00}, it advertise false refinance promises. I did not authorize a hard pull on my credit

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