vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Guild Holdings Company
State: ID

Complaint narrative:
I called Guild Mortgage on XX/XX/XXXX at XXXX to inquire about a pre-approval. I specifically told XXXX XXXX on the phone, after asking many questions that I was not ready to have an application processed for a loan as I was just starting to ask around. He told me that it would be a soft pull and so I gave him all my information he asked to do so.. not even 5 minutes later, I had a hard inquiry hit my credit score. XXXX XXXX went ahead and took it upon himself to run a hard pull on my credit and submit my application when I did not authorize him to do so. I want this removed from my credit score as I will not be using this company after they took it upon themselves to do this against my wishes. What do I need to do to get this removed. When he called me back I told him it hit my credit score and that he was only to do a soft pull and he said he was sorry but in order to get me loan options he had to run it but congrats you've been preapproved. Um NO! I've talked to several lenders and what he did was not right. They can do a soft pull and give me ideas of loans I qualify for and for how much. I do not trust this company and I would not either if I were you. What else is this guy going to be using my information for? I don't feel safe knowing he has all my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is in violation of the FDCPA and FCRA and Transunion is in violation of the FCRA, SEE ATTACHMENTS.

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 2023-09-14 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX AND EXPERIAN HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. 

ON XX/XX/2023 EXPERIAN POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). 

EXPERIAN NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. 

ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. 

THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: MI

Complaint narrative:
BMG loans at work LLC and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
On XX/XX/2023 Consumer sent SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX a communication by certified mail green return receipt regarding the furnishings of an alleged unknown debt that I noticed on my consumer report. The communication was returned to me after about XXXX as ATTEMPTED-NOT KNOW UNABLE TO FOWARD I am unsure why it was returned seeing the address was the same shown on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX has this account listed as XXXXXXXX XXXX XXXX  / ACCT XXXX XXXXXXXX, Equifax has this account listed as XXXX XXXX XXXX ACCT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-14 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter finance Charge off account The amount is XXXX The company have reported it as a open account and I never had a account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be 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 2023-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX  to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be 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 2023-09-14 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: FL

Complaint narrative:
In XXXX, an account was opened with XXXX XXXX. Sometime in early XXXX, the account first went delinquent. It subsequently went through multiple cycles of delinquency and current status until it was charged off in XXXX. In XXXX, payments toward settling the debt were initiated through a lawyer hired by XXXX XXXX. The debt was fully paid off in XX/XX/XXXX. 

Despite the original delinquency occurring over seven years ago, the account still appears on my credit report as of XX/XX/XXXX. A dispute was submitted to TransUnion to investigate and potentially remove this information. The dispute was marked as " resolved '' as of a recent date, but no significant changes were made to the account information, other than updating the remarks. TransUnion has kept the account on my credit report, which shows a payment history only going back to XX/XX/XXXX, marked as 60 days past due. XXXX XXXX has failed to furnish data predating XX/XX/XXXX despite multiple inquiries. 

Early XXXX : Account first went delinquent. 
XXXX : Account was charged off. 
XXXX : Started paying off the debt through a lawyer. 
XX/XX/XXXX : XXXX was fully paid. 
XX/XX/XXXX : Account still on the credit report despite being over 7 years from the original delinquency date. 
XX/XX/XXXX : Dispute submitted to TransUnion. 
XX/XX/XXXX : Dispute marked as " resolved, '' but only the remarks were updated. 

Initiated dispute with TransUnion. 
TransUnion marked the dispute as " resolved '' but only updated the remarks. 
XXXX XXXX failed to furnish complete data pre-dating XX/XX/XXXX. 

I urge the CFPB to investigate these actions taken by TransUnion and XXXX XXXX. Both companies have failed to uphold their responsibilities under the Fair Credit Reporting Act. TransUnion did not perform a proper investigation into my dispute, and XXXX XXXX has failed to furnish accurate data pertaining to the delinquent account.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Company has failed to disclose information pertaining to interest due, fees assessed and monthly statements or notices. Company also fraudulently responded to CFPB by stating that communication was submitted to me via mail and email. I have never received an email or direct mail communication from this company to provide me with the requested information. The only communication I have received is attached. I have questioned the fees that were charged to my account each month and for a breakdown to outline how my payments were applied.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

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 2023-09-14 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023, I went into overdraft in my checking account at USAA Savings Bank because USAA mistakenly deducted a {$300.00} payment from my checking to go to my auto loan account that they have the lien on. I only authorized ( or remember ) authorizing one payment of {$300.00} to be transferred from my checking to my auto loan account, but USAA deducted it twice, claiming that I processed two payments of {$300.00} to be transferred to my auto loan. Their explanation does not make sense because I only authorized one payment of {$300.00} to go towards my auto loan. Their error has caused my account to be overdrafted XXXX and there is also a pending automatic payment that is scheduled to deduct another payment from my checking to go towards my auto loan. If this happened, then that would be 3 payments credited towards my auto loan in a matter of 4 days.

I requested to cancel the automatic payment scheduled to come out soon and USAA refused to cancel the automatic payment, additionally I have tried several times over the past few weeks to cancel my auto automatic payment and have been unable to.

USAA actions is causing my bank account to be overdrawn for no good reason. I would like one of my payments ( {$300.00} ) made so far to be refunded, and any automatic payment that is charged to my checking account, I would like that payment also to be refunded also, because I have already applied one {$300.00} payment to my auto loan on XX/XX/2023. 

I have attached the duplicate payments that was taken out of my account towards the auto loan. 

I also want to cancel my auto loan automatic payments. 
Thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IN

Complaint narrative:
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, XXXX and now Equifax for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from Equifax previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on XXXX and XXXX are not on Equifax, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: IN

Complaint narrative:
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, Experian and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on Experian and XXXX are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report the following inquiry continues to be reporting improperly and in correct. PLEASE DELETE AND REMOVE XXXX XXXX DATE : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, XXXX, XXXX, the XXXX XXXX XXXX XXXX ruled in my favor to rescind a contract to purchase XXXX XXXX XXXX XXXX whose checking account was with Chase. The order states the following : " Wherefore, default judgment is entered in favor of XXXX XXXX XXXX XXXX and against XXXX XXXX ; the XXXX Purchase Agreement dated XX/XX/XXXX, is.rescinded, the parties are returned to their pre-Stock purchase Agreemert status ''. 

I have notified Chase about this judgment and sent the judgment to them. As of yet, they have not complied with the Court Order to remove anything to do with this account from my credit record and return the account to XXXX XXXX. I have also filed a declaratory action against Chase  in XXXX XXXX Illinois due to their inaciton.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In reviewing the company 's final previous response, it was mentioned an account was closed in 2015. The current account ends in XXXX. Previously, this current account was not closed in 2015. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation