vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/year> was charged {$41.00} late fee becuase the payment was made XXXX min after the XXXX cutoff time whcih I did not see on the statement. Company stated they would XXXX a XXXX time courtesy. In XX/XX/year> I made the payment on XX/XX/XXXX becuase the banks had the power outage and my accounts were hacked. The bank not only charged me a {$41.00} late fee again, but they reversed the credit they gave me for XXXX because they stated that I was late in XXXX. This is insanity and not right!!! I calle them over XXXX times and tried to speak with supervisors etc. They said nothing they can do. The rule is the rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies. 

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under 12 CFR 1016.7, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies.

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than XXXX years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under XXXX XXXX XXXX, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.

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 2024-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Scratch Financial, Inc.
State: WI

Complaint narrative:
Scratch sets up a XXXX loan payment with a XXXX % interest period. Fine print - XXXX % interest IF paid in full within XXXX  months. 

However, you pay interest for the entire duration. When you finish paying off the loan principal, which would be at {$0.00}, the interest collected during that period is applied to the principal. 

Applying collected interest to a {$0.00} principal would be negative- which amounts to essentially theft of their interest rate they've been charging for XXXX Months. 

It's theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
I requested, from Experian, XXXX different occasions via certified mail, documented proof from XXXX stating the item on my Experian report is incorrect I uploaded the voice conversation that I recorded with XXXX XXXX as proof. Had no time to research. I received the results within XXXX business days after receipt from Experian of my dispute. Theres no Feasible Way, Experian couldve researched and closed the dispute within XXXX business days, in addition, I received no back up documentation of their investigation. I want this removed from my Experian report as I have rendered proof to experience and XXXX XXXX has hung up on me on XXXX different occasions.

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 2024-08-18 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: AZ

Complaint narrative:
I've requested on several occasions on how the account was open initially, and to how far it has gone to collection without my acknowledgement, as well as reoccurring invoices for payment

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 2024-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
send a copy of the telephone and the activity log for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries were made on my Equifax credit report without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: AK

Complaint narrative:
I have tried, over the course of several days, to freeze my credit info on Equifax 's consumer website, myEquifax. It continuously stated that, " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I tried to find a phone number in the support section of myEquifax to call Equifax to no avail. I had to go to the Equifax main website to find their support number. It is XXXX. It is only available from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called this number on a Sunday and after waiting over a half an hour, I finally was connected to a representative. I told him about the issue with myEquifax and he explained to me that this was due to a technical glitch because of XXXX XXXX XXXX 's data breach. Apparently due to the overwhelming high requests to freeze credit information, their website is misconstruing these requests as a DDOS, distributed denial-of-service, attack. I explained to the representative that it is extremely inconvenient to have to call and wait XXXX plus minutes to freeze and unfreeze my credit information. He then told me that they were trying to resolve the issue as soon as possible. I then told him that they needed to get their act together as XXXX 's and XXXX 's websites had no issues whatsoever handling the huge influx of requests to freeze credit information!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the middle of XX/XX/2024 I closed my deceased mother 's XXXX account and turned in her phone. Shortly after this, I started receiving text messages and emails stating that I owed {$220.00} to XXXX, even though I already paid everything I needed to pay. I contacted XXXX about this several times and everybody I spoke to said that it was a scam and to ignore it and not pay it. About a month later I received a letter from " XXXX '' regarding this {$220.00} that I owed, so I once again contacted XXXX about this and they once again told me that I had no balance on my account or my mother 's account and that I should ignore it. Additionally, included in this letter was a website I did not recognize to be XXXX 's official website for payments ( the website on the letter was XXXX ), and when I put the account number that was provided to me by this letter into XXXX 's official website, it tells me to enter the zip code for a phone number that is not mine or my mother 's. I ignored it, and on XX/XX/XXXX I received a text message from that same number that said my account was now being held by XXXX XXXX XXXX, and I saw that I received a derogatory mark on my credit report because of this. I quickly called XXXX that same day asking about this, but they said that they didn't apply any derogatory mark to my account and that I didn't have any balances to be paid. Since this was my first time receiving anything negative like this on my credit report and my score went down by about XXXXXXXX XXXX, I ended up paying this balance even though I still believed that it wasn't from the official XXXX XXXX. I submitted a dispute regarding this incident on XX/XX/XXXX through Experian, and I received the results of the dispute XX/XX/XXXX. The only change I saw on my credit report is that the balance of this XXXX account was removed and that the derogatory mark is supposed to stay on my record until XX/XX/2030.

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 2024-08-18 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: CA

Complaint narrative:
I requested, from XXXX, four different occasions via certified mail, documented proof from XXXX stating the item on my XXXX report is incorrect I uploaded the voice conversation that I recorded with XXXX XXXXXXXX as proof. Had no time to research. I received the results within XXXX business days after receipt from XXXX of my dispute. Theres no XXXX XXXX XXXXXXXX couldve researched and closed the dispute within XXXX business days, in addition, I received no back up documentation of their investigation. I want this removed from my XXXX report as I have rendered proof to experience and XXXX XXXX has hung up on me on XXXX different occasions.

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 2024-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: TX

Complaint narrative:
My servicing was transferred from Guaranteed XXXX XXXX to Selene Finance on XX/XX/year>. I submitted a previous complaint because Selene lost my entire payment. They have since found the money, but have not correctly applied my funds. 

As of XX/XX/XXXX, the full principal balance showed by Guaranteed Rate was {$130000.00} ( full statement attached below ). 

The balance that Selene credited me is {$130000.00} ( see attachment below ). 

See attachments below - for XX/XX/year> payment, Guaranteed Rate credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

Selene credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

I made my loan advisor aware of the issue as soon as I noticed it, on XX/XX/XXXX. 

On XX/XX/XXXX he replied and said that their accounts are correct. I replied the same day asking for an explanation of the discrepancy. 

On XX/XX/XXXX he replied : " I'm hoping this information will help in resolving the issues on the loan. This is from the payment processing team. Please review and let me know if you have any additional questions. 

Boarding XXXX  : {$130000.00} Interest Rate : XXXX Payment : {$1900.00} Payment Breakdown : Interest : XXXX {$130000.00} x XXXX divided by XXXX = {$1000.00} Escrow : {$800.00} XXXX  : {$1900.00} - {$1000.00} and {$800.00} = {$77.00} '' I replied on XX/XX/XXXX because the numbers he quoted in his email are incorrect, my boarding unpaid balance was {$130000.00}, not {$130000.00} as he and the payment processing team are stating. 

I again asked him to please look at the statement from XX/XX/XXXX from Guaranteed Rate which shows a different amount and have not gotten a reply as of XX/XX/XXXX.

Company response to consumer: Closed with explanation