vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My entire student loan debt was XXXX in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is XXXX under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect XXXXXXXX XXXX but my attempts with XXXX XXXX XXXX  have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
On XX/XX/year> case innovis XXXX informed about XXXX XXXX  XXXX  XXXX and upon my call to XXXX XXXX the lady representative said you have XXXX of benefits at XXXX XXXX XXXX and hung up in my face. I immediately called innovis but were unaware then I called XXXX  XXXX XXXX  spoke to the president XXXX XXXX at XXXX XXXX and she decided to lie and denied me of an account. XXXX XXXX fake XXXX and XXXX stolen my identity at XXXX XXXX XXXX and cash two XXXX  escrow account checks in my name and I reported the XXXX as XXXX detective XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Early Warning Services, LLC
State: MI

Complaint narrative:
To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash two XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: LEXISNEXIS
State: MI

Complaint narrative:
To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX detective XXXX XXXX XXXX. XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CBC Companies, Inc.
State: MI

Complaint narrative:
To XXXX XXXX you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I was contacted by a company called Aldous and Associates. They identified themselves as a law firm and that they are attempting to collect a debt. The debt allegedly belongs a gym called XXXX XXXX XXXX XXXX  I have never used the facilities of the gym as I am a XXXXXXXX XXXX and am unable to utilize the gym. Aldous and Associates stated that I need to pay them {$1500.00} in 30 days or they will report a negative item on my credit that will lower my credit score. I have never used the facility they are accusing me of using and if they fraudulently report that amount on my credit report, I will unfortunately, have to report them to the state attorney for violating consumer protection laws. I am an extremely XXXX XXXX who would have never been able to use a " gym '' or any fitness facility. It is a shame what this company is attempting to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We pay our mortgage to MR. Cooper is timely since we own our home. Our funds are in escrow to pay our insurance. We received an email from MR. Cooper, on XX/XX/year>, our insurance was paid ; we got an email from XXXX XXXX agent on XX/XX/year> that our insurance policy was canceled. We call MR. Cooper on Friday to resolve it, only to get the runaround. We are facing a Cat 3-4 Hurricane, and our home has no insurance because MR. Cooper fails to pay it in a timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-10-07 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: IL

Complaint narrative:
I am a victim of identity theft and as a result numerous business accounts credit cards and even taxes have been filed in my name .My identity has been stolen Inumerous data breaches and business credit card was opened up in my name XXXX  XXXX  account number XXXX this account is not mine and is reporting on my report on XXXX XXXX 2024  you deleted account # XXXX please remove account from my file because this account is 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 explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
I am a victim of Identity theft accounts were applied for in my name that I did not authorize. I was unable to make these inquiries due to me being XXXX Please see attached! 

We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Loqbox US Inc
State: VA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed 2 inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ LOQBOX FINANCE LLC ] [ # XXXX ] [ XXXX XXXX BANK XXXX ] [ # XXXX ] XXXX : [ LOQBOX FINANCE LLC ] [ # XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. 
Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  ON XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with transunion and XXXX have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/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 2024-10-07 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: PA

Complaint narrative:
My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with XXXX  and equifax have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX  TX -- Physical Address XXXX XXXX XXXX I resided at this residence between XXXX. During this time I paid my monthly rent as per agreement through the end of my contract. Provided 60 day notice as required, and paid pro rated amount for the month of XX/XX/XXXX. 
Received a text message XX/XX/XXXX of owed rent which I immediately responded and have text documentation to show that the ledger would be updated. 
Received collection notice from XXXX indicating a collection charge for $ XXXX for unpaid rent. Immediately contacted the collection agency and apartments to resolve the matter. Provided the following : Leasing Agreement Copy of 60 day notice moving required Monthly statements of paid rent XXXX Letter from utility company ( XXXX XXXX XXXX showing transfer of services to new location XX/XX/XXXX. 
Email correspondence from XXXX XXXXXXXX XXXX XXXX with XXXX XXXX indicating that he would be contacting XXXX to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I pay on principal and they are not applying the funds on the day of. 
This is not legal

Company response to consumer: Closed with explanation