vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 



XXXX- DATE LAST ACTIVE IS INACCURATE & ITS OUTDATED OVER 3 MONTHS NEED REMOVED DUE TO INACCURATE INFORMATION. NEED BANK FURNISHED STATEMENT & name or routing if not provided. Please remove XXXX XXXX- THIS ACCOUNT OVER 7 YEARS OLD NEED TO BE REMOVED DUE TO INACCURATE INFORMATION REPORTING OUTDATED INFORMATION PLEASE REMOVE ACCOUNT. 



REMOVE THESE ACCOUNTS DUE TO INACCURATE INFORMATION. 


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 2024-02-06 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX 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 2024-02-06 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX 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 2024-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I entered into a Covid Forbearance Program in early 2023. I was struggling to make mortgage payments due to loss in income. As i was struggling to make payments an associate on the phone offered this program to me. I was described to me as a program that would pause payments until I was able to resume making payments on my mortgage. I could use this program for up to a year. I talked with this specific representative as well as many others while in the program confirming that when I was ready to pick back up payments that I would be able to resume. XXXX it was coming to the end of my plan I contacted Mr Cooper as I was ready to begin mortgage payments again. When contacting them I was told that this was not actually an option as I do not qualify for this. At no time before or during the program was I notified that I would have to qualify for this program. The only options I qualified for was bringing the loan current or a loan modification. the loan modification would increase my mortgage payment drastically. All I am asking is that company do what they said they would do all along and let me resume mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Wrong name: XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: DC

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting I advised ALL inquires reported were fraud company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, I the consumer am now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap EQUIFAX Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form XXXX XXXX  XXXX forms to XXXX  consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their consumer file not consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents Experian from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.

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 2024-02-06 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: TX

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian reported on XX/XX/XXXX, that XXXX  XXXX XXXX reported a late payment against me, so they downgraded my credit score from XXXX to XXXX. I immediately spoke to XXXX XXXX XXXXXXXX and they reported that they had not provided any late payment information to the credit bureau. They then proceeded to file a complaint with Experian to get my score reinstated. Since then Experian reinstated my score to XXXX instead of XXXX. I filed a a dispute but Experian refuses to take the required corrective measure. Their final message to me is that I need to open an account for one of their paid services before I am allowed to file another dispute. They have been flooding me with information to open credit cards with exorbitant interest rates. I do not need their offers and I've expressed that to them. I am requesting your help in getting this resolved and my credit score reinstated.

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 2024-02-06 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: Lendah LLC
State: GA

Complaint narrative:
I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX FRES Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CO Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2024-02-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : 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 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 XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : 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 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 XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-06 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: MI

Complaint narrative:
Requested refund on XX/XX/2023 for {$40000.00}, which was in the 90 day timeframe and in the timeframe for the COVID refund. We were told it will take 3 months to receive our refund. We waited 4 months and did not receive a refunds, and did not have a change in our loan status. We called and they informed us it was canceled on their end by mistake and the resubmitted the claim since it was an issue on their end. We waited another month and a half and still did not receive anything. We called and we were told it was canceled on their end again and they put in an investigation request and was told to call in a week because their supervisor would look into it. We called XX/XX/XXXX a week later, after a XXXX hour wait we were sent to a prerecorded voice saying they " couldn't hear [ us ] '', and it kept repeating. I have recorded evidence of this. We then recalled and finally connected to someone and was told our inital request was refunded to us and then put directly back into my loans by MOHELA, so MOHELA refunded the loan back to themselves, not me. 
Overall its been 7 months of misinformation and being with-held from money that lawfully should have been refunded. In addition they supposedly took my refunded money and put it back into their loans without my consent. Hours of waiting on the phone only to be directed to an automated voice that says they can't hear me- which leans towards the side of scam like. Keep being told different information or misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMCB AUTO FINANCE reported an inquiry on my consumer report without fully disclosing to me upon our initial conversation that such information will be reported to a third party. They also failed to provide me with the opportunity to opt out of sharing my information.

Company response to consumer: Closed with explanation