vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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 2024-02-05 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: NC

Complaint narrative:
Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from me.

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 2024-02-05 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: MI

Complaint narrative:
I Hired XXXX XXXX, so I did not have to file bankruptcy. Years ago to take care of all this. I paid them but it doesn't look like they didn't do what they said. so let me start from the beginning. XXXX my mortgage com. sent me a letter asking me if I am wanting a modification. I was having a hard time paying my bills at that time. The payments we low. I Sign the paper and send it in.But it was no modification, they refinance me for 30 years. Did not know right away until I seen my maturity date XXXX, I thought it was a mistake. Because I was XXXX years old. Hello, they sold my mortgage to XXXX mortgage because they knew I was mad.so here I am! Been here 25 years. With a XXXX mortgage. And a bad credit report. On XXXX making XXXX a month and now XXXX XXXX XXXX. And trying to figure out how to pay my XXXX mortgage balance. I see a lot of things wrong on credit report. I have a XXXX IRA with XXXX along ways to go. And if I thought I own anyone money I would pay. I take care of my business and pay my debts. Thanks XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was guarantee XXXX XXXX  cash back after spending over XXXXXXXX XXXX  in 3 months I did this and now they are refusing my promotion every time I call they give me a different reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
I would like to follow up my concern regarding specific accounts on my credit report that should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
I would like to follow up my concern regarding specific accounts on my credit report that should have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
I would like to follow up my concern regarding specific accounts on my credit report that should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am under a public service loan forgiveness program through Mohela. I was notified in XXXX that I was being placed under a forbearance and that the months on forbearance would not count towards my loan forgiveness. I did not request this forbearance. After reaching out to Mohela and the CFPB, I was notified by Mohela that the months spent on this forbearance would count towards my loan forgiveness. I recently requested a payment count update from Mohela and the months of XXXX and XX/XX/year> are being counted as ineligible for my loan forgiveness count when they should be counted as eligible. I contacted Mohela and they were unable to give me a timeframe for when these months would be added to my count as eligible or why they were not being counted correctly. I would like these months to be counted correctly towards my loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
Subject : Unlawful Credit Reporting and Request for Resolution Citing Ohio FCRA Identity Theft Fraud Laws Dear KEY 2 RECVRY, I am reaching out to address a serious matter involving the unauthorized reporting of information to my credit report, a clear violation as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I am invoking the relevant Ohio FCRA identity theft fraud laws to emphasize the gravity of this situation. 

It has come to my attention that KEY 2 RECVRY has engaged in unauthorized credit reporting without obtaining my explicit consent, a direct contravention of federal law outlined in the FCRA, which explicitly mandates consumer consent under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Ohio state law, particularly the Ohio FCRA identity theft fraud laws, reinforces the importance of consumer consent for credit reporting. This includes the protection against identity theft and fraudulent access to personal information, ensuring compliance with Ohio 's legal framework. 

I assert firmly that I have not granted consent for KEY 2 RECVRY to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially causing harm to my c

reditworthiness, and demonstrates a disregard for federal and state laws. I demand, unequivocally, that KEY 2 RECVRY immedi
ately cease any further reporting of information to my credit report without obtaining my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is essential to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and trust that KEY 2 RECVRY will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Debt collection just kept being transferred to another even though Id set up pymt arrangements. Didnt give no company permission to sell the debt.

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 2024-02-05 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: TX

Complaint narrative:
I DOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS. 


I PROVIDED PROPER DOCUMENTATION

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 2024-02-05 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: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: TN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
My payments are set up on automatic payment which has ALWAYS been paid before the due date on my PennyMac account. When I went to print out my end of year information, I see that, although my payments were received on time, they have been charging me late fees for the entire year and say I owe a whole lot more than I do for the latest monthly payment. I talked to them about this a long time ago, yet STILL they keep charging the late fees. Since I am an older adult and on a fixed income, I think they are trying to SCAM me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I have several items being reported to all 3 credit bureaus, TransUnion, XXXX and XXXX that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE TransUnion told me that that would remove them as well as XXXX XXXX but XXXX is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of Ed/ XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all 4 items were discharged and are still being reported to all 3 credit bureaus. 

2XXXX  XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all 3 credit bureaus. 

3XXXX XXXX XXXXXXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to TransUnion and XXXX XXXX 

4. XXXX XXXX XXXX {$1100.00} charged off ( removed from TransUnion but still being reported to XXXX and XXXX ) 5. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to TransUnion and XXXX. 

6.XXXXXXXX- debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all 3 credit bureaus. 

7. XXXXXXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all 3 credit bureaus.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
Checkr reported inaccurate information to my contractor XXXX. I received background check report after my account was deactivated from Checkr. I reviewed report and noticed it was inaccurate information in that report about an incident that happened in XXXX XXXX Florida In the report it is reporting a pending case that was close no information as if it is current now. 
My license is valid according to the DMV I called the city courthouse & they supplied me with documentation to prove that the information Checkr reported to XXXX is in fact inaccurate. 

Background check companies like Checkr are required to comply with 15 U.S.C. 1681e of the FCRA, which requires reasonable procedures to ensure maximum possible accuracy of the reports being prepared for employment purposes The FCRA requires that Checkrs employment background check reports meet a legal standard of care in the processing of consumer data. Specifically, it must use reasonable procedures to assure maximum possible accuracy when collecting, reviewing, reporting, and investigating the data that goes into employment background checks. 

Checkr employment-related background check report contained inaccurate, misleading, or false information, that resulted in me getting my account with XXXX deactivated, or fired as a contractor If me as a USA abiding citizen breaks any laws I have consequences, you Checkr broke federal laws of the FCRA that governs you willfully and you should be punished to the full extent of the law. Checkr deserves punitive damages to be taught an exemplary lesson that it is simply unfair for such a company to make staggering profits off of procedures that are so inherently flawed that they keep struggling consumers from obtaining simple working class jobs. Checkr blames XXXX. XXXX blames Checkr, and who suffers? '' I am suffering. Economic loss for me on my end. I dont understand how these major corporations can get away with breaking laws and not being punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am an XXXX XXXX member of the XXXX XXXX and have been XXXX in Louisiana since XX/XX/XXXX. As such I qualify for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied in XXXX XXXX XXXX  through my bank ( Navy Federal Credit Union ) and the application was accepted. Proof of XXXX  in the form of a Leave and Earnings Statement was provided, along with a form provided by Navy Federal Credit Union. I also have direct deposit set up with them. I was told it would be several months to receive a response and now XXXX  months later ( XXXX XX/XX/XXXX ) I was told my application was denied. Had I known this I would have sent additional proof but I was never made aware. As of today the message thread in the Navy Fed mobile app was deleted. Their policy is to delete old messages and I have no proof of my submission other than verbal confirmation over the phone that I received today. 

As a result of their inaction I have been paying a substantially higher interest rate on my Navy Fed credit card. After re-submitting my application today I was told it would take XXXX  days to process, followed by approximately XXXX more days to receive any money owed to me. XXXX  days is too long to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-02-05 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft and I need help getting this debt off of my credit report as soon as possible please and thank 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 explanation