vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I received a gift through cash app from my sister and without my authorization or permission to do so, cash app employees took the money from on a day that an alleged repayment was not authorized until XX/XX/year> which was the initial scheduled day for any repayment to be made if theres was anything owed. When this matter was brought to customer care along with the reminder email regarding repayment, cash employees not only refused to resolve the issue but I was denied due process, full disclosure of truth in lending and documentation showing cash app payables and receivables which would show who loaned out what. I was deprived of such information but yet employees are still funds that have not been authenticated through the original loan agreement nor did I authorize cash app employees to entitle themselves to a gift given to me by my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
My student loan provider was switched over to mohela in XXXX. I called in XX/XX/year> to be placed on extended graduated plan for repayment. Was told it can take up to 90 days business days. It is now XXXX and I have no information about the application. Called and they said application is back logged due to government getting rid of IDR plans. Found out my application was for a IDR which is not the plan I wanted. I wanted the extended graduated plan. Submitted a new application for extended graduated plan and was told the same 90 days, would have to wait until XXXX for application to be processed. Was also told that 5 of my loans are in extended graduated plan already and the others are in a different plan. I have no idea how I have different loans in different repayment plans. All my problems with my student loans started when I switched over to Mohela. I dont know how you guys let this company operate still knowing XXXX XXXX XXXX  everyone over to let the interest build as much as they can before you pay it off. It is absolutely ridiculous. SOMETHING NEEDS TO BE DONE ABOUT XXXX XXXXXXXX COPMLANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: DE

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: DE

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
XX/XX/XXXX late fee applied {$40.00} for XXXX ; due date XX/XX/XXXX, minimum due {$80.00} XX/XX/XXXX paid {$80.00} minimum payment XX/XX/XXXX late fee applied {$40.00} for XXXX ; due date XX/XX/XXXX minimum due {$80.00} XX/XX/XXXX late fee applied {$40.00} ; due date XX/XX/XXXX minimum due {$120.00} XX/XX/XXXX paid {$120.00} minimum payment XXXX XXXX XX/XX/XXXX over limit fee applied {$29.00} ; due date XX/XX/XXXX minimum due {$40.00} XX/XX/XXXX late fee {$40.00} and over limit fee applied {$40.00} ; due date XX/XX/XXXX, minimum due {$80.00} XX/XX/XXXX late fee {$40.00} and over limit fee {$40.00} applied ; due date XX/XX/XXXX, minimum due {$120.00} XX/XX/XXXX paid {$80.00} of {$120.00} minimum payment XX/XX/XXXX late fee applied {$40.00} ; due date XX/XX/XXXX minimum due {$80.00} XX/XX/XXXX {$80.00} payment made XX/XX/XXXX returned for NSF XX/XX/XXXX paid {$40.00} of {$80.00} minimum payment XX/XX/XXXX late fee {$40.00} and return check fee {$29.00} applied ; due date XX/XX/XXXX minimum due {$170.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applied ; due date XX/XX/XXXX minimum due {$220.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applied ; due date XX/XX/XXXX minimum due {$280.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applies ; due date XX/XX/XXXX minimum due {$350.00} My question is this, I understand charging a late fee when no payment is made. Even though I had already established with the company I was jobless and could not make the payments back in XXXX. The company said they could not remove any late fees until I made a payment and then they could only remove one late fee. My entire balance on this card is virtually fees. As of the XX/XX/XXXX statement the card has a balance of {$920.00} of which {$610.00} are fees. I don't understand how they expect anyone to be able to catch up. They unwillingness to remove but one late fee when they stack them up against the consumer is just a bad practice. It could be completely legal for them to do but I just wanted to make someone aware in case they are being shady. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
PENNY MAC HAS PROVIDED ASSITANCE THRU PARTIAL CLAIM IN THE PAST .PARTIAL CLAIM ASSISTANCE NOW EXHAUSTED.LOOKING FOR A BRIDGE TO XXXX WHEN XXXX XXXX STARTS.CALLED PENNY MAC ASK TO ALLEVIATE OR WORK OUT SOMETHING LIKE EXTENSION FOR 3 MONTHS .THEY RESPONSDED WITH PRETTY MUCH PAY LIKE YOU ARE .THAT IS NOT ASSISTANCE.! EVEN IF WE DID AGREE THEY HAVE THE FLAWED NOTION THEY WILL PLACE 1 -3 MONTHS WORTH OD ARREARAGES ABSORBED INTO A 30 TO 40 YEAR NOTE WHICH NEEDLESSLY INUNDATES BORROWER WITH XXXX OF DOLLARS WORTH OF NEEDLESS INTEREST PAYMENTS .THAYT IS NOT A CONSTRUCTIVE LONG TERM SOLUTION. WHAT THERE OFFERING ITS AT THE VERY LEAST A XXXX A IF NOT CRIMINAL .WE ARE COMING TO THE END OF THIS HARDSHIP AND THIS IS EASY RO SOLVE.IF YOU ARE GOING TO FORCE A XXXX  XXXX FILED BY MY SPOUSE TO AMORTIZE ARREARAGES AND provideA SELF IMPOSED BK MODIFICATIONS LETS BEGIN THE HOSTILE NEGOTIATIONS NOW.NO ONE IS GOING TO LOSE A HOUSE OVER 3 MONTHS OF PAYMENTS NOR DOES BORROWER HAVE TO ACCEPT RIDICULOUS REMEDY THATS NOT PRACTICAL NOR GROUNDED IN FACTS AND ONLY MAKES THE LONG TERM HARDER.IN MASSACHUSETTS THIS CAN BE PLACED IN FRONT OF A JUDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reference to 15 USC 16c-2, my credit report includes unauthorized hard inquiries that are causing harm to my credit. I urge you to delete these incorrect entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account is set up to pay 1/2 the balance every other week at some point in XXXX I stopped that from happening. and missed part of XXXX and all of XXXX payment. once I realized the error I reinstated the auto payments every other week- I expected to be hit with a late charge and had no issue with that as it was my error. once XXXX came I tried to use my card and it was declined for lack of funds. when checked I saw that due to my missed payment I not only was hit with a late fee but they also dropped my credit limit from XXXX to XXXX a XXXX dollar drop! I called to try to explain and to see about getting it reinstated and I was told I would have to pay XXXX to get it back to the limit that it was at. that was almost all of my outstanding balance. ( they did however waive the late fee- which I was ok with paying ) I tried several people and their supervisors and apparently there isn't anything that can be done once its lowered but I can ask for a credit line increase. but no guarantee what that might get me. I told them I felt that this seems like an excessive penalty for a customer that has been with the card so long and that has an excellent credit history - and if they were to look at my history with this card its not a pattern. this will affect my purchasing power with capital on and also my credit score in general having less available credit and a large drop at 1 time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation