vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
XXXX XXXX XXXX is making illegal inquiry on my credit without my knowledge or approval they are access my credit report illegally and putting things on my report and sending fake Dept letters XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Record details Inquired on XX/XX/XXXX Hard inquiries XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ).

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 2023-11-01 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: CA

Complaint narrative:
Cooper Mortgage confirmed in XXXXXXXX of XXXX that our forbearance COVID CARE grace period was extended until XXXX XXXX 
XX/XX/XXXX my husband and I were notified by our credit reports that we were delinquent and our credit scores went down over XXXX points. 
I called Cooper that day asked and they said we were no longer covered by the contract and if we wanted it changed to call our government. When I showed the images of our contract and dashboards and that his information was different than what Ive been sent he realized there was a problem and gave me their research team email. 
After further review, our accounts, our dashboards, our contract and updates through Cooper state we are protected, not delinquent, and our credit scores should not be affected. 
They sent an email that theyd look into the issuethen I was contacted by their debt collected in XXXX. I got on their chat service desk because their phone service doesnt work. She confirmed we were safe but didnt know why we are being negatively affected. She gave me a managers email which we emailed mid XXXX. We still havent heard from her. 
I got another delinquent notice XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: IN

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX unlawfully collected all money from my account on XX/XX/XXXX before resolution of the billing errors that they received. They were not supposed to collect until resolution of the billing error but no resolution was reached. They sent a letter on XX/XX/XXXX ( still after they collected and left my accounts with XXXX $ ) replying to me with nothing but statements so I then requested documentary evidence as defined in the XXXX and XXXXXXXX XXXX that they are required to follow. They never sent it. I have sent them a total of 4 notices and they are all the same responses. They sent an agreement without my signature, ( one that I can go online and print ), and statements. None of this proves a debt to be valid. They also unlawfully closed my account after receiving a legal notice of rescission of all past, present, and future security interest, proceeds from any insurance they applied to on my behalf, & the right to repo my car. They have taken adverse action against me, they are unlawfully reporting me late on my payments, even though they received 2 endorsed instruments for the obligation that they never returned even when I asked for them back, therefore lawfully they accepted them. I continue to receive generic responses instead of someone actually addressing the issue. They are also committing securities fraud because they are supposed to be nonprofit organizations yet they transfer their securities to XXXX which is registered under the SEC. They have also criminally mislabeled documents to hide evidence of them unlawfully collecting. I informed them of how they collected on XX/XX/XXXX unlawfully, thankfully I screenshot the proof first because that transaction no longer shows on my statements. The proceeds were never returned either. I attached the screenshot from today XX/XX/XXXX vs the older screenshot that shows them collecting XXXX $ on XX/XX/XXXX. They also collected over XXXX $ from my paycheck on XX/XX/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 2023-11-01 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: MI

Complaint narrative:
Transunion is reporting a credit inquiry from XXXX XXXX SERVICES. I never request services from XXXXXXXX XXXX SERVICES NOR did I give them the right to access my personal information. 



I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized credit inquiries. The FCRA requires that any party requesting a consumer 's credit report must have a permissible purpose to do so, such as for a credit application, employment, insurance, or legitimate business needs. It is my belief that [ Name of Company ] did not have a permissible purpose to request my credit report. 

Here are the specific reasons why I dispute this credit inquiry : Lack of Permissible Purpose : I have not applied for credit, employment, insurance, or any other legitimate transaction with [ Name of Company ] that would justify a credit inquiry. Therefore, I question the legitimacy of their request for my credit report. 

No Authorization : I did not provide written or verbal consent for [ Name of Company ] to access my credit report. As such, any inquiry made without my authorization is in direct violation of the FCRA. 

Unauthorized Access : The FCRA requires that credit inquiries be made with the knowledge and authorization of the consumer. The inquiry by [ Name of Company ] was made without my knowledge or consent. 

Damage to My Credit : Unauthorized credit inquiries can negatively impact a consumer 's credit score. As a result, I am concerned that this inquiry may have a detrimental effect on my creditworthiness. 

I request that you promptly investigate this unauthorized credit inquiry and provide me with the following : Verification of Permissible Purpose : Please confirm whether [ Name of Company ] had a legitimate permissible purpose for accessing my credit report.

Proof of Authorization : Provide evidence of any authorization I may have given for the credit inquiry in question. 

Removal of Unauthorized Inquiry : If it is determined that [ Name of Company ] had no permissible purpose for accessing my credit report, I request that the unauthorized inquiry be removed from my credit report as per FCRA regulations. 

Confirmation of Remedial Action : Notify me in writing of the actions taken by your agency to rectify this matter within the stipulated timeframe ( generally 30 days ). 

I expect your prompt attention to this matter, as required by the FCRA. Please be advised that I will not hesitate to take further legal action to protect my rights and rectify any damage to my credit report if this issue is not resolved satisfactorily.

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, received a letter with an account number ( XXXX ) on it indicating I can apply for XXXX XXXX XXXX. I had my student loans for when I attended and graduated through NelNet. I paid my loans off around XXXX ( not sure exactly but it has been a long time ). I attempted to call them on XX/XX/XXXX and was on hold for an hour and XXXX minutes and couldn't get through. The automated message was to try and use the automated services, but when I put in my information there is no record of my account. After that long being on hold I waited until XXXX XXXX to try and call again. The automation again said no record and that there was an XXXX min wait, then that XXXX min became XXXX minutes. After being on hold for over XXXX minutes, this company doesn't seem to answer or give correct information. I am concerned that there are now student loans out there for me since I am getting an application to discharge it, why else would they send me something regarding loans that were paid off over 10 years ago. Now I fear that I am going to have to go through for fraud/identity theft. 

There letter states they are here to help, but not really. After trying to get a hold of them for almost XXXX hours, I am no further along than I was prior, except now more aggravated. I want to know why I received such a letter, with an application to discharge a debt that has been paid off for ages. If they say I don't have an account ( which the automation does ), then this is a misrepresentation and deceptive practice to send a letter indicating I can have something discharged that doesn't even exist, why else would a company spend all this money mailing documents/letters on items that are paid off, most businesses are there to make money, and there is no money to be made, nor a regulatory requirement to send something like this on a paid off account, which leads me to believe there is some sort of fraud involved. 

If they say I don't have an account, then please provide a legitimate reason ( s ) for sending me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XXXX  I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a retired XXXX veteran who was XXXX in 2009 and had to file for bankruptcy protection against the ex-wife as a result. Bank of America is using bankruptcy information from 15 years ago against me and continues to deny me credit. It is my understanding that bankruptcy information can only be used to make credit decisions for seven years.

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 2023-11-01 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I am a victim of XXXX data breach i have had my account hacked many times here are some documents to prove and back support that 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

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 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I took out a title loan with one main financial about XXXX ago roughly. Unsure of exact date. upon taking out this loan I was forced to pay child support as well as arears child support, my house payment increased by upwards of {$400.00} a month, my house had a slab leak and flooded and was not covered by insurance due to the age of the home which was unware to me at the time of purchase of the home and insurance policy. This was a {$5000.00} repair not including cleanup. On XXXX of XXXX I owed {$11000.00} somehow now a year later XX/XX/XXXX while making set up half payments with them at 30 % or less interest I currently owe {$11000.00}. They call me all hours of the day and even nights and weekends. At home, work, even on my work cellular. I have phone records for proof. Sometimes before the due date. Even after I try to set up an installment plan I can afford or asking for deferment options they continue to call and harass. I have even given them dates to which I will be paid and tell them I can make a full or partial payments on a certain date. They will continue to call and harass me, my job, and my work cellular phone. When a partial payment is mentioned I am threatened with the loss of the collateral as it is not a full payment. I have tried numerous times to have my payments amended to something more affordable but continue to be harassed when paying what I can. As before mentioned I have been contacted XXXX or more times a day on all numbers after or on the due date when payment is not received. I have explained numerous times I have a wife and XXXX children and have to have a home therefore that payment must be paid first and have been told they didn't so much care for that as long as their money was paid back but after making over XXXX years worth of payments the loan started at {$12000.00} and is Currently at {$11000.00} and from {$11000.00} the previous XXXX ( XXXX ) until the recently passed XXXX ( XXXX ) have only gotten {$23.00} worth of credit towards the loan. Any help with this issue would be greatly appreciated as I am doing all that I can to provide for my family as well as fulfill without my obligation preferably not being harassed day and night at home and at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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

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 2023-11-01 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: TX

Complaint narrative:
These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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 are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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

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 2023-11-01 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: PA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: PA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 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: LA

Complaint narrative:
I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

XXXX XXXX XXXX account # XXXX XXXX/ XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # 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