vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-25 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: SC

Complaint narrative:
On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. 
These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXXXXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con LVNV FUNDING LLC # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-25 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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:
I am having a hard time understanding why and how this account is still reporting on my file- when I have continuously requested for your company to remove it because it is inaccurate. This inaccuracy has affected my credit score, thus affecting my entire plans of getting financial help.

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 2024-09-25 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: WV

Complaint narrative:
I noticed some incorrect information on my credit report, which falls under the regulations of 15 USC 16c-2. These inaccuracies are affecting my credit score, and I did not authorize the inquiries listed.

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 2024-09-25 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: AZ

Complaint narrative:
I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the TransUnion report was invalid, specifically the *phone number listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their TransUnion hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Feel free to adjust any details as needed! If theres anything else you need, just let me know.

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 2024-09-25 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: AZ

Complaint narrative:
I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the XXXX report was invalid, specifically the *phone number listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their XXXX hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Feel free to adjust any details as needed! If theres anything else you need, just let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the XXXX report was invalid, specifically the *phone number listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their XXXX hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feel free to adjust any details as needed! If theres anything else you need, just let me know.

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 2024-09-25 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My home loan is being accused of being in default and there was a default judgement enter on XXXX of this year even after having legal counsel. My home is schedule for a XXXX  sale date on XX/XX/2024 because the lender is saying that I owe a total of {$610000.00} but might just be worth around about {$210000.00}. I don't believe that there is a lien on my home. I had a Mortgage XXXX XXXX done on my home and it came back stating fauld. I had XXXX auction sale dates on my home and they all have been canceled. The lender went to court with documents that believed to my fraudulent. I have proof that I own my home free and clear. I also believed that I am a victim of identity fraud by the lender

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am filing this complaint against Mercedes Benz for denying my car loan application in violation of the Equal Credit Opportunity Act ( ECOA ). The denial of my loan constitutes a breach of federal consumer protection law, as I am entitled to credit based on my application. Mercedes Benz Financial decision to deny my loan lacks lawful justification, especially since my credit rights are protected regardless of the contents of my consumer report. 

My loan application provides security interest, and I claim all Titles, Rights, Interest, and guaranteed Equity associated with this application. I am the creditor, not the borrower, as stated under 12 U.S. Code 1431 - Powers and duties of banks. refusal to process the application violates this law and ignores my rightful claim. 

Unlawful Denial of Credit : Mercedes Benz Financial denial of my car loan application is in violation of the Equal Credit Opportunity Act ( ECOA ). I have a legal right to credit, and denying me based on unjustifiable reasons is a violation of my rights under ECOA.

Security Interest Provided in Application : My application serves as security collateral, and Mercedes Benz Financial refusal to recognize this fact breaches 12 U.S. Code 1431, which makes it clear that banks are the borrowers. I, as the creditor, provided the collateral necessary for this transaction. 

Negligence - Not doing what I requested with my Security Collateral aka application. 

Identity theft. Im proper use of My Social Security Number.

Failure to Recognize Titles, Rights, and Interest : By denying my application, Mercedes Benz Financial has failed to honor my Titles, Rights, and Interest that are tied to my credit and the security I provided. Without my participation, including my social security number, no transaction can occur. The refusal to process this loan is both unlawful and discriminatory. 

I was told " its too much car for you '' that I wasn't able to get a car due to me not having any car history on my credit profile which is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: CA

Complaint narrative:
I transferred {$2500.00} through Sigue on XX/XX/XXXX, XXXX but I did not get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had a chase amazon visa card for many years. One of the features of the card was a payment plan, where you can space out a payment over time. In the past, there was no charge to do this for certain Amazon purchases. When I was prompted to decide if I wanted to use the no interest payment plan for 2 purchases in XXXX I clicked yes. The plan is called 'Chase pay over time SM '. Nowhere did it state that I would pay a monthly fee for this, or what the fee was. I had been seeing small fees on my statement every month, but assumed it was a balance. I finally went back over several months and called the vendor. They said they were not charging me this fee. 
I called chase, who then escalated to a supervisor when I said that I had not agreed to this fee, and it made no sense to pay. The supervisor said his name was XXXX XXXX and would not give an identification number. He said that I could not exit the plan, and the fees would be charged until I paid off my entire balance. I am suffering a hardship and have run the credit card to almost the max. I can not afford to pay off the entire balance in order to exit a misleading program. He refused to transfer me to someone else, or to send me any paperwork or statement detailing the plan terms, or show me where I had agreed to pay a monthly fee. He refused to terminate the pay over time plan and put it back into a regular plan. 
Chase is misleading customers. Anyone can exit a contract at any time for anything else, yet they are binding customers into a plan where they have not outlined the terms. They are taking advantage of indigent and low income customers, and tricking them into more fees. I was also denied a hardship payment plan overall for the card, and am still paying a huge interest fee. I would like someone to investigate their credit card false advertising and misleading practices. I want to exit this plan. 
Please see attachment where I screenshot the plan, there is no info about fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Spent 3 hours trying to reach a live person on four occasions and there is not an option to do so. It is not possible to reach a live person which is unacceptable and quite frankly borderline from a legal perspective. Simply stated I need to verify why the Experian web site states that " Experian credit file '' is " unlocked '' when recorded messages, because of course there is no possible way to talk directly to a live person, very clearly state that my credit file is locked.

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 2024-09-25 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Federal Loans used to attend XXXX XXXX  from  over 17 years ago were determined to be fraudulent and discharged by the Federal Government in XXXX. Applied for discharge for remaining Private Loans and received below generic statement. 

Loans - - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX " Response from Navient - Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If the Federal Government has ruled XXXX committed misconduct and discharged my Federal Loans, what SPECIFICALLY would disqualify me from having the remaining Private Loans discharged?

Company response to consumer: Closed with explanation