vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed EXETER FINANCE LLC furnished the following information to my consumer report and it is invading my right to privacy. 
EXETER FINANCE LLC-Date Open : XXXX Account number XXXX Amount : {$4800.00} I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information per 15 U.S. Code 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRA 's ( XXXX, XXXX, XXXX ). 

EXETER FINANCE LLC did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information per 15 U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). EXETER FINANCE LLC violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my data by EXETER FINANCE LLC for the account opened on XX/XX/2022 With Prejudice By : XXXX  : XXXX All Natural Inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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

Company 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Equifax, detailing a concerning experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. 

Despite my compliance with their documented requirements, I faced a discrepancy in the verification process. Initially on a phone call I was assured that my information had been updated, I encountered resistance when I sought further clarification from the representative from today XX/XX/2023. The agent insisted on the submission of my ID and his refusal to escalate the matter to a manager or higher authority exacerbated the situation. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly. It is my sincere hope that discriminatory practices are not at play, as such treatment contradicts the experiences of those within my network. No one I know has encountered similar obstacles, and I believe it is imperative for Equifax to address this discrepancy promptly. 

Your attention to this matter is greatly appreciated, and I trust the Consumer Financial Protection Bureau will ensure Equifax 's adherence to fair and consistent procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CT

Complaint narrative:
Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXXXXXX XXXX  XXXX {$550.00} XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX  {$670.00} XXXX UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX XXXX {$2200.00} XXXX UNVERIFIED ACCOUNT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
I wish my mortgage had never been sold to Roundpoint Mortgage Company a year ago. They have been terrible at basic functions and unhelpful in resolving their mistakes. I became eligible for the XXXX XXXX assistance program after becoming unemployed during XXXX. During the process of setting up payments XXXX mortgage sold my mortgage to Roundpoint mortgage. As this was happening, the funds to pay the mortgage were returned to the XXXX XXXX assistance fund. ( XXXX ) Then Roundpoint Mortgage miscalculated my escrow and monthly payments creating an additional problem, resulting in lower payments from XXXX. They did not include taxes in the escrow which created an inaccurate mortgage statement. Then after Louisiana began sending payments to Roundpoint, the payments were misapplied multiple times and not credited in a timely manner. One payment made by XXXX was sent XX/XX/23 but was not applied to my account by Roundpoint until XX/XX/23, then the payment was held in suspense, then finally applied as a principal curtailment on XX/XX/23. There was another payment that was mishandled this way in addition to taking months to apply payments. Meanwhile, Roundpoint ran another escrow analysis which they calculated as being short resulting in a mortgage increase of over {$200.00} a month, which I can not afford. Also, Roundpoint has been entirely inconsistent in calculating and sending mortgage statements in a timely and regular manner. I do not want to lose my home because Roundpoint mortgage is poorly managed. Please help! Thank you.

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 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TN

Complaint narrative:
Applied to bank and my application was " lost '' for several weeks until i was told that i needed to reapply. Did so, deposited XXXX USD into the account. Opened a new savings with a different bank, attempted to withdraw XXXX from laurel road over to wells fargo account also under my name. Account was locked with no written notice, no email, no phone call or any other communication. Bank still will not give me a specific reason the account was locked even after escalation. Account now locked for XXXX business days ( XXXX normal days ) and was asked to give up to XXXX business days for an unspecific " review '' of my account before i can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: AES/PHEAA
State: IL

Complaint narrative:
My son has a private student loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by AES XXXX American Education Services ). We moved from XXXX  to XXXX in XX/XX/XXXXXXXX XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately 820 to 660. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXXXXXX sent us an interest statement that got returned in error by the post office back to AES. Previously, we had been receiving mail from XXXXXXXX  to the IL address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to XXXX in a monthly statement that we can not be located. AES does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, XXXX decided to drop my credit score by over 200 points which is absolutely unfair and egregious. I have disputed this with XXXX with no result. The responses I get from XXXX are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. XXXX does not say how they contact AES, whom they speak with, or how this is going to get fixed. AES updates their notes once at the end of each month. AES tells me that they have corrected our issue in the XX/XX/XXXX note to XXXX, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : AES or XXXX. On one hand, AES should not have reported this to XXXX, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that XXXX can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: IL

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 2023-12-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I did not authorize COMENITY CAPITAL/ FOREVER21 on XX/XX/2021 to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: IL

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 non-monetary relief
Consumer complaint received 2023-12-07 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of Wakefield, the original debt collector, but they were a scam artist pretending to be with Wakefield and Associates. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: ACRANET INC
State: NY

Complaint narrative:
I did not authorize ACRANET to run 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 2023-12-07 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
I did not authorize Xactus LLC to run my credit on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  did unlawfully close my account and charged it off and since then began reporting me as late payments and now reporting me as delinquent payment of XXXX  days and continue to raise charges every month and this has caused a massive decline in credit score am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my Credit worthiness and its illegal to report any payments as late. And then knowing and willing report false claims that Im late amd delinquent every month when the account is close and its unlawful to report false information and late payments then add delinquent payments this is defamation and destroying my ability to getting a loan of 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that i have mad. it is the result of identity theft. 
please block this information from my credit report according with section 605B of the fair credit reaporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on or about XXXX i sent a notice of dispute to experian which they failed to investigate ..following there response see attachment .. i sent a follow up letter on or about XX/XX/23 again disputing the inaccuracies on my report with no results..i sent XXXX more disputes dated on or about XX/XX/23 and XX/XX/23 and again experian did not investigate

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 2023-12-07 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: NJ

Complaint narrative:
I've recently mailed out a dispute letter to Equifax regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Equifax behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Equifax will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone?

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 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: NJ

Complaint narrative:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

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