vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I had a XXXX XXXX XXXX XXXX  on XX/XX/XXXX. After returning to work in XXXX of XXXX I struggled to get back to normal, my job had moved me to another department where I endured harassment by the senior ranking associate, leading to me resigning as management did nothing about any reports I filed. I was without a job for over a year, during which time I worked with XXXXXXXX XXXX billing department to attempt to reduce the monthly payment I owed. In XXXX of XXXX, I reached out to a third-party company called Dollar For to assist me in advocating with XXXX billing to reduce the XXXX bill. Within the week of receiving my request, my billing statement with XXXX read a balance of XXXX dollars and I haven't heard or seen anything about it since, until I received a debt collectors notice that the company Harris & Harris Ltd. had sent on XX/XX/XXXX and I did not get in the mail until a week later. I made sure to file a dispute with Harris & Harris Ltd. as the letter I received had inferred that legal action would be taken if I didn't respond by XX/XX/XXXX. I also contacted my agent with Dollar For to ask their advice one more time as to what to do and they sent me the link to report it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: NC

Complaint narrative:
Carvana is advertising high down payment with vehicle financing. According to the law 15usc1662 there are to be no advertisements of down payment which a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). 
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-26 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: WI

Complaint narrative:
TransUnion, XXXX, and XXXX are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.

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 2023-09-26 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: WI

Complaint narrative:
XXXX, XXXX, and Equifax are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-09-26 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: MA

Complaint narrative:
I have a child support balance that is supposed to be removed it is illegal to have on my credit report and XXXX and XXXX removed it experian hasnt

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 2023-09-26 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: CO

Complaint narrative:
In XX/XX/, I attempted to use equifax 's online service to unfreeze my credit. There was a " '' temporary '' '' error not allowing me to log in by resetting password. The call line asked me to provide personal information to an agent outside US Jurisdiction, so it was not viable. 

Today, XXXX, I went again to their site and was again blocked by a " temporary error ''. It seems to be permanent. Their phone line wastes everyone 's time by recommending to use the website when the website isn't working, and there's no transparency as to why it isn't working. I was eventually able to XXXX through the phone robot to unfreeze my credit which is a simple task, but still don't have access to their website, or confidence in them as a company. 

Considering the chronic issues plaguing Equifax, such as the massive data breach, and general incompetence for which you can find hundreds of personal experiences online, is there any reason to keep this company around? XXXX and XXXX seem to be sufficient on their own, and I'm sure a replacement for Equifax would operate much better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXXCapital One XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I have contacted Mohela via email messaging on Mohela Website on 9 separate occasions and at least 3 different phone calls regarding the same topic. 

My initial message sent was on XX/XX/XXXX and I have a string of messages until XX/XX/XXXX with useless generic responses even after waiting days for an appropriate response. 

I have called and spoken to XXXX different agents, all which have told me incorrect information despite rules and policies quoted directly from studentaid.gov. I have spoken to XXXX, a supervisor who reassured me that my loan will be processed correctly. She even told me " MOHELA IS A MESS AND WE HAVE TRAINEES ''. 

To date, my monthly payment is showing more than {$4100.00} per month on a PAYE plan. How is this even possible?? {$4100.00} is more than a standard repayment plan and here I'm listed as a low income plan. I've been advised by Mohela to start payment and recertify immediately. This goes against the recommendations of all my loan advisors, friends, forums, and most importantly IMFORMATION FROM STUDENTAID.GOV.. Lastly a trainee customer service agent actually submitted a recertification process despite me telling her TWICE that I DO NOT GRANT permission to initiate a recertification. My account details are grossly incorrect. 

Mohela is impossible to call into due to " high call volumes ''. I have tried numerous times without availability. Unfortunately due to long wait times, life moves on and I must return to work. 

Please fix my Mohela account! This is causing excessive and unnecessary financial burden. It is impossible to budget, or financially plan due to excessive delays and misinformation. This is leading to huge lost in opportunities and financial lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
Movement Mortgage has displayed a continuous and ongoing pattern of mismanagement and manipulation of my XXXX XXXX XXXXXXXX loan. After several specific issues related to my Escrow account such as Movement 's failure to disburse funds by the due date, Movement disbursing funds AFTER the due date and after I've made payments directly, etc, I formally requested that Movement close my Escrow account so that I may manage Insurance & Tax payments directly, as I've been doing anyway due to their mismanagement. 
Movement approved the Escrow account closure, then denied it, then re-approved the closure citing Clerical Issues on their backend, etc etc etc. 
On XX/XX/XXXX, I received a letter from XXXX XXXX indicating all backend clerical issues had been addressed, and that my Escrow account is now closed, and that my surplus Escrow funds had been mailed directly to me on XX/XX/XXXX, and I should receive that check in the mail within 7-10 business days. 
Naturally, I haven't received any Escrow refund check as of today XX/XX/XXXX. Furthermore, I see within my Movement Payment Portal that on XX/XX/XXXX, Movement has once again disbursed yet another duplicate Tax payment from my Escrow account which should have already been closed. Furthermore, due to this latest inexplicable disbursement, there is now another SHORTAGE within my Escrow account which shouldn't exist. On XX/XX/XXXX I also received a letter from Movement that my monthly payments will now INCREASE as a result of this manufactured shortage on my Escrow account which shouldn't exist. I'm requesting CFPB to step in here once again to help me find resolution. I've attached a timeline of events as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-26 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: GA

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 2023-09-26 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-26 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: GA

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 explanation
Consumer complaint received 2023-09-26 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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