vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: MA

Complaint narrative:
WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UN AUTHORIZED INQUIRES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES. 

XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : Phone App. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to mortgage XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX, XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to auto loan XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to personal loan XXXX XXXX Inquired on XX/XX/XXXX XXXX Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to mortgage XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Possible Stolen Identity : Never conducted the reported inquiry

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
See XXXX complaint ticket. THIS IS THE SAME ONE. The company closed the complaint and CFPB accepted it. I DO NOT CONSENT TO THIS. Reopen that ticket. It is not closed. The COMPANY DID NOT RESOLVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I visited XXXX XXXX XXXX on XXXX in XXXX, TX multiple times throughout the course of XXXX and XXXX and gave them my up-to-date email address, phone number, and permanent physical address each time I visited. On XX/XX/XXXX, I visited their XXXX  and paid the {$30.00} copay before receiving their services. I was tested for XXXX, strep, and the flu. At no time during the clinic was I told that I would be charged out-of-pocket costs for these tests, and I was not given a bill while at the XXXX. XXXX ( parent company of XXXX ) never contacted me through phone call, text message, nor email about the {$150.00} that I owed to them. No residents of my permanent physical address received a bill or a notification of the debt either. XXXX failed to notify anyone of this debt. I was not made aware of this debt until today, XX/XX/XXXX after I received a text message from Harris & Harris Ltd. that read, " [ My first name ], Harris & Harris is a debt collector for XXXX, '' with links to their website as well as their phone number to pay the debt. It provided no other information about my debt until I logged into Harris & Harris ' consumer portal. XXXX gave Harris & Harris an outdated address despite the fact that neither I nor any of my family had resided at this specific address since XXXX of XXXX. ( I had been taken to other facilities within the XXXX system while I was a minor, and living at this outdated address. ) I had never provided XXXX XXXX XXXX on XXXX in XXXX, TX with this address, and had solely given them my current address from XXXX onward. The clinic passed my debt off to Harris & Harris before ever reaching me through phone call, text message, or email, and without billing the address I had provided them with at time of the visit. I suspect they have been sending bills to the same outdated address that they provided Harris & Harris Ltd. with, which I have never given to them as a valid permanent address since I've visited their urgent care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. 
I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MI

Complaint narrative:
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The " company '' is a municipality that I am disputing the {$110.00} charged to the card because I could not obtain the service I paid for while the JUDGE LITERALLY HID THE ORDER [ a TRI-FRICATED dated paper having the dates XX/XX/XXXX, XX/XX/XXXX and e-filed ( published ) XX/XX/XXXX { the delay violated my Civil Rights and MY Appellate Rights and that Judge knew it when he hid the paper! } ], XXXX XXXX Florida, more particularly the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I filed the dispute for {$110.00} on or about XXXX, I say on or about because my first telephone contact didn't conclude as if any dispute was going to be accepted ( I hung up on your associate then got an email, is that how you run your bank XXXXXXXX XXXX  mean that little to y'all? ) ) or filed unless I could first give a brief Legal Lesson on how Courts in XXXX are supposed to operate after attempting to file the complaint through Wells Fargo Direct Number { XXXX } to their Dispute Department [ which I again did tonight whereas on Monday XX/XX/XXXX XXXX XXXX ] after getting another email closing the claim for an ill-defined reason, likewise the email of this evening lacks any specify or particularity. 

So when I produce multiple documents a few attested to all filed in the case or the appeal, some from the XXXX XXXX dated XX/XX/XXXX ordering I produce that Order [ line XXXX ] which wasn't published until three days later on the XXXX then no matter how you slice I was denied my Rights in that Court and by Wells Fargo ( off shore ) for providing false information, Stating Wells Fargo has no Fraud Department, Inserting amendments and/or supplemental terms of use and service to the card not included in the card members agreement. Also deciding the dispute prejudicially meaning my dispute is evidenced by a preponderance of evidence, filed in good faith, never actually questioned by WF, I have no history of ever filing a dispute and not prevailing on the facts at that time, WF has no evidence save hearsay to dismiss my dispute. If I am wrong then they should produce that which they rely on that has such weight, immediately.

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 monetary relief
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: HI

Complaint narrative:
I opened this account with the promise that I would receive a {$300.00} bonus when I completed a required number of direct deposits to the account. I have completed them and the bank is refusing to pay the bonus and is stating that I didn't meet the requriement when I clearly did.

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 monetary relief
Consumer complaint received 2024-08-08 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: LA

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment on this closed and paid as agreed account which is reflecting negative on 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 2024-08-08 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: LA

Complaint narrative:
XXXX XXXX XXXX  is reporting a late payment on this closed and paid as agreed account which is reflecting negative on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my husband and I paid our property taxes out of pocket, unaware that the amount in our escrow account was to pay those same taxes. This resulted in a surplus in our escrow account that is owed to us. We contacted XXXX XXXX XXXX Mr. Cooper Mortgageto inquire about the {$2800.00} that is owed to us. Since then, we have gone back and forth OVER XXXX times with them asking for our check. Each time I reach out, I'm told the same thing : " we'll reissue the check. '' They claimed to have " reissued '' this check several times, but we have never received it. The last XXXX times I reached out, it was to follow up after someone named XXXX XXXX said " I will go ahead and get the request in to reissue the check through the mail. This process can take up to XXXX business days. '' He said this on XX/XX/XXXX. I have since followed up twice, with no response. This is just XXXX instance of XXXX where we have been begging to be sent our check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> i had several hard inquiries on my credit report that was not authorized by me and i would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on 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 2024-08-08 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: NY

Complaint narrative:
I have called countless times since XXXX regarding unauthorized fraudulent inquiries on my credit report and XXXX and equifax have failed to remove them. I have mailed letters, made phone calls. spoke with countless representatives regarding the identity theft. ii have filled out identity theft report and multiple documents regarding my claim. according to 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) unauthorized inquiries are not to be reporting on my credit report however my rights are being violated as a consumer. The inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I spoke with XXXX with a file # XXXX and case # XXXX. she told me these inquiries would be removed equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have mailed documents countless times to both bureaus and they have failed to acknowledge my request. please have these inquiries removed IMMEDIATELY. XXXX MONTHS AND XXXX MONTHS TO NOT HAVE REMOVED FRAUDULENT INQUIRIES IS A VIOALTION OF MY CONSUMER RIGHTS. ESPECIALLY WHEN I HAVE PROVIDED THE NECESSARY DOCUMENTATION ASKED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-08-08 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: TX

Complaint narrative:
I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
I am a victim of identity theft, I am in disagreement with the items that are still reporting negatively in my credit file, even after your investigation. I would like these items immediately re-investigated and removed from my credit file. I've reported the theft of my identity to the federal trade commission 's and enclosed a copy of an identity theft report affidavit.

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