vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: TX

Complaint narrative:
XXXX XXXX Experian, XXXX, XXXX have Violation of my Family Educational Rights and Privacy Rights dating back from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Loan. 
I been at this for a long time and I tried to get this information off my credit. All of these Credit Agency still reporting my information as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
EdFinancial is not allowing me to sign up for autopay. Ive attempted to sign up 4 separate times over 3 months and Ive never been enrolled : On or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attachments for confirmation emails ). 

Each time I submit the request to enroll in autopay on their website, the edfinancial.com website says my auto enrollment request has been submitted, and will process in 2-3 days. I also receive email confirmations that my enrollment request has been received, but I receive no follow up emails stating confirmation of enrollment or any errors with processing my enrollment. Ive received payment confirmation emails for the payments Ive had to submit manually waiting for this auto pay enrollment to complete. 
The request made on XX/XX/XXXXXXXX  temporarily showed in my profile on EdFinancial.com along with an estimated application date of XX/XX/XXXX, but now my profile shows no indication that I ever requested enrollment, that enrollment is pending, no alerts or errors regarding autopay enrollment, or that autopay will be applied on XX/XX/XXXX. 

When Ive gone back into my account to check the status of autopay following my enrollment requests, autopay hasn't been setup, there are no alerts or notices in my account regarding the enrollment, my payments arent coming out automatically, and Im not seeing the 0.25 % interest rate reduction advertised by EdFinancial for enrolling in auto pay applied to my loans. 

The screenshots from XXXX  are to show the status of autopay in my profile- I've gone through the Auto Pay Enrollment on each of the dates listed above and it still prompts as a new enrollment request like I've never requested enrollment before when I click on the AutoPay button.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2023-12-23 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: NE

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-23 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2023-12-23 00:00:00
Product: Mortgage — VA 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: Mortgage Research Center, LLC
State: ME

Complaint narrative:
I have a VA home loan with Veterans United in pandemic forbearance. During the end of forbearance period this last two months VU has harassed me with an absolutely mind boggling amount of calls day and night. They tell me to call back closer to end of forbearance if I answer because submitting the paperwork earlier would end forbearance sooner. So I ask why was I called. They stated these calls will continue until my loan is current regardless of me finally handing the matter over to a VA loan specialist because the calls XXXX a day XXXX were finally affecting my mental state. I am a XXXX XXXX  with among other issues XXXX and XXXX XXXX. I have told them this as well. The last one on phone was specifically extremely rude and essentially told me to shut up several times while reading from her PC screen what she was told to read and could not answer a single question I had about my loan. This can not be normal? I also told my VA loan specialist about the behavior. Their website is next to useless, their app as well. They literally don't even currently need anything from me, all paperwork submitted. Yet the calls don't stop.

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 2023-12-23 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: OH

Complaint narrative:
I do not recognize these inquiries and I asked for them to be removed and the bureau did not do as I asked. I am providing an identity theft report and I would like the inquiries removed from my credit report because theyre not accurate and they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OH

Complaint narrative:
I do not recognize these inquiries and I asked for them to be removed and the bureau did not do as I asked. I am providing an identity theft report and I would like the inquiries removed from my credit report because theyre not accurate and they are not mine.

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 2023-12-23 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: NJ

Complaint narrative:
I have accounts and inquiries on my report. 

Accounts 1. XXXX XXXX {$1500.00} 2. XXXX XXXX XXXXXXXX {$75.00} 3. XXXX XXXX XXXX {$430.00} 4 XXXX XXXX XXXX {$220.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
XXXX NOT CLOSE THIS DISPUTE AS IT HAS NEW MATERIAL INFORMATION TO THE ERRONEOUS INFORMATION XXXX Dear Sir/Madam, I am writing in regards to my previous correspondence on XX/XX/2023 ( CFPB Case Number : XXXX ) and the attached insurance documentation. It appears there is still incorrect information being reported on my account that does not comply with the Fair Credit Reporting Act ( FCRA ). The XXXX insurance certificate provided clearly shows continuous insurance coverage effective XX/XX/2023 through the cancellation date of XX/XX/2023. As explained previously, this policy was temporarily bound just to close and fund the loan. However, your records continue to show a lapse in coverage from XX/XX/XXXX to XX/XX/2023 and that lender-placed insurance was necessary. This is incorrect. Moreover, I never received any information in writing that I was late in payments. As required by the FCRA, you are obligated to report accurate and complete information. The attached documentation proves there was no lapse in insurance coverage in XXXX 2023. Therefore, I am requesting you immediately update your records and credit reporting to reflect continuous insurance coverage, remove any lender-placed insurance charges and associated payment increases, as well as delete any derogatory credit reporting for the months in question. Please confirm in writing once these corrections have been made and provide an updated credit report verifying the inaccurate information has been fixed. If these issues are not resolved quickly, I will have no choice but to file a formal dispute under the FCRA and seek further legal remedies available to me under law. Thank you for your prompt attention to this urgent matter. 

ATTACHMENTS XXXX CFPB Final Response ( 1 ) .pdf ( 199.3 KB ) XXXX - COVERAGE.pdf ( 88.2 KB ) Hide ful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AL

Complaint narrative:
I have names on my Experian credit report that are inaccurate. My name is XXXX XXXX XXXX and that is whart i wish for my credit report to show. Please delete all other names. My address is XXXX XXXX XXXX. This is the address I wish to have on my consumer credit report. The address XXXX XXXX XXXX XXXX XXXX XXXX is a NON-MAILABLE ADDRESS and I do not live there nor can I receive mail there. Please delete XXXX XXXX XXXX XXXX XXXXXXXX off of my consumer credit report. I do not wish for a phone number to be displayed on my report. I only wish for the last four numbers of my social security number to be shown, I wish for only XXXX to be shown as my date of birth on my consumer credit report. No employer should be showing on my 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 non-monetary relief
Consumer complaint received 2023-12-23 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: PA

Complaint narrative:
I have inquiries on my credit reports. 


Inquiries 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX, 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
I was never late on my student loan debts and on all bureuas its reporting late in XXXX and XXXX this is a huge mistake and its messing up my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2023-12-23 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I had received a dept from XXXX XXXX XXXX. and I dont know nothing about that this is not right not my dept

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX  Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. In light of these circumstances, I have sought legal counsel and have retained the services of attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of this inquiry it just randomly appeared on my credit report. This hard inquiry is a result of identity theft, There are no accounts on my report attached to this inquiry from XXXX XXXX XXXX XXXX This hard inquiry must be removed in 4 days in accordance to 15 U.S. Code 1681 c-2- Block of information resulting in identity theft

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied for the Amex Delta SkyMiles Gold credit card on XX/XX/, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : 1. I successfully opened it with the bonus. 2. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. 

I have contacted CFPB twice to communicate with AMEX, and the response letter showed fake information claiming that : During your online application you were advised Based on your history with Credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Would you like to proceed? However, during the online application, I have never been advertised with this statement. The fact is I have been welcomed by the opening bonus. So this response really hurt my XXXX and I'm very sad about Amex. 

Thus, I'm asking AMex to present the proof of the fake advertising or give me a bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 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 2023-12-23 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: NE

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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