vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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:
Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX That said account has already been deleted on my XXXX but Equifax and XXXX are still reporting this despite showing them proof of inconsistency of their reports. Equifax and XXXXXXXX XXXX descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

XXXX has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I contacted Mr. Cooper on XX/XX/XXXX for a modification package. I contacted my single point of contact using information from a QWR letter mailed to the servicer in XX/XX/XXXX. The single point of contact number in the letter was incorrect. I was not routed to my single point of contact. Instead i was given an automated message to call a different number. I waited on hold for about 10 minutes. The representative picked up the call and asked me to verify the information on the loan. I requested a modification package from the representative. The representative talked for several minutes and said i needed to have my attorney contact the servicer. I do not have an attorney and i only am asking for a modification package to be sent to my mailing address. I then asked again to be sent a modification package. I was not told where to find a modification package or how to get a modification package. I was only told that my attorney needs to contact Mr. Cooper. I am representing myself Pro-Se and have not retained an attorney for this matter. So, I again requested a modification package. The representative told me on several occasions that she would not send me a package. I spoke to the representative until XXXX XXXX EST and was not provided any information on the modification package or how to obtain a modification.

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 2024-01-16 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, I want to formally address a violation of my federally protected consumer rights to privacy and confidentiality. 

The account in question, associated with XXXX XXXX, has been reported inaccurately. I have previously informed both XXXX and your consumer reporting agency that the account was opened fraudulently and that I am a victim of the XXXX data breach. The reporting of this information is a direct violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which states that 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. 

I am reaching out to seek your immediate attention to rectify this situation in accordance with the FCRA. I request that you thoroughly investigate and correct the inaccuracies associated with the mentioned account. Additionally, please provide me with a written explanation of the steps taken to remedy this violation.

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 2024-01-16 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: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare XXXX XXXX XXXX XXXX switched to a new online system or portal. 

Their new system will not let me add my bank account as a payment method and keeps saying " enter a valid routing number '' The routing number is for XXXX XXXX  and is XXXX I attempted to add my secondary bank account ( from a different financial institution ) and it allows me to add it with XXXX errors. 

The bank account is not new and I have been making mortgage payments with the bank account for several years. 

Additionally, when I call to have an agent assist me with making the payment, they are able to process the payment manually.

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 2024-01-17 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: OH

Complaint narrative:
Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying EXPERIAN about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by XXXX, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX Account # : XXXX, Amount : {$6400.00} XXXX has already deleted these fraudulent accounts, and EXPERIAN needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the XXXX XXXX XXXX. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.

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 2024-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I've always had insurance and When I contacted this company they could not give me the information showing this account belongs to me. They are reporting inaccurate information to my credit report. 
I also sent a complaint with CFPB an on XX/XX/2023 the company responded stating Please be advised that XXXX XXXX XXXX XXXX XXXX has investigated this matter. We have been unable to locate any account in question for the above consumer that is currently reporting to any of the XXXX major credit bureaus. We are simply not seeing anything by name, phone number, address or social security number.

I have included a picture of the account that's on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXXand it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXX and it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
After reviewing my credit report I saw hard inquiries that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX That said account has already been deleted on my XXXX but XXXX and Experian are still reporting this despite showing them proof of inconsistency of their reports. XXXX and Experian 's descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

Experian has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned 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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate. This is Securities fraud. Which this will also aid in documentation to the Security and Exchange Commission. When I electronically signed the application for services, acknowledging that I granted Apple Goldman Sachs a security interest tied to an obligation of the United States, essentially considering it as cash. However, I haven't received any valuable consideration for this security, and it should not be disguising a gift to contractual agreement. 

According to Apple Underwriting Agreement with the Securities and exchange under the Company represents and warrants to, and agrees with, each of the Underwriters that : The Securities to be purchased by each Underwriter hereunder will be represented by one or more definitive global Securities in book-entry form which will be deposited by or on behalf of the Company with XXXX XXXX XXXX XXXX ( XXXX  ) or its designated custodian. The Company will deliver the Securities to Goldman Sachs & Co. LLC, for the account of each Underwriter, against payment by or on behalf of such Underwriter of the purchase price therefor by wire transfer of Federal ( same-day ) funds to the account specified by the Company to Goldman Sachs & Co. LLC at least forty-eight hours in advance, by causing XXXX to credit the Securities to the account of Goldman Sachs & Co. LLC at XXXX XXXX The Company will cause the certificates representing the Securities to be made available to Goldman Sachs & Co. LLC for review at least twenty-four hours prior to the Time of Delivery ( as defined below ). 

An underwriter is defined as a person who has entered into an agreement with an issuer or selling security holder to perform one of the following roles : ( 1 ) purchasing securities for distribution, ( 2 ) distributing securities on behalf of the issuer or selling security holder, or ( 3 ) managing or supervising the distribution of securities for or on behalf of the issuer or selling security holder. Essentially, underwriters play a crucial role in facilitating the distribution of securities in various capacities. 

In summary, the account was created and opened in my name after the submission of a credit application, and the security was deposited and transferred to Goldman Sachs without any benefit to me. I assert that a denial or adverse action is not possible, indicating potential fraud. Despite attempts to reach out to XXXX XXXX XXXX, XXXX, as transfer agents, and Apple Inc. 's Investor Relations Department, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, through telephone and their website, I have not received responses addressing my questions and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery has called me several times requesting a debt I dont know about. Secondly, I requested validation on the debt but have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MD

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MD

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize.

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
After reviewing my credit report I noticed hard inquiries that are not mine

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 2024-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: FL

Complaint narrative:
I requested to be placed on do not call list awhile ago. They called me XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

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 response to consumer: Closed with explanation