vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: Consumer Collection Management. Inc
State: MO

Complaint narrative:
My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/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 2024-11-26 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatlygreatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and noticed that several hard inquiries do not indicate a permissible purpose next to these items. According to the Fair Credit Reporting Act, any information provided on my consumer report must have a permissible purpose as outlined in 15 USC 1681b. PLEASE DELETE THESE! See below and credit report attachment. 

Inquiries XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Selene Finance regarding their mishandling of our mortgage account and their failure to provide reasonable options for us to retain our homestead property. Their actions have caused significant distress and jeopardized our ability to keep our home. 

Prior to Selene Finance servicing our loan, the previous servicer, XXXX XXXX XXXXXXXX, had offered us a trial plan that was both feasible and agreed upon. However, upon the transfer of servicing rights to Selene Finance, they failed to honor the existing trial plan. Instead, we were compelled to apply for a loan modification, which was subsequently denied on two separate occasions.

Furthermore : 1. No Response to Extension Requests : We sent multiple written requests to Selene Finance seeking an extension of the auction sale date. These requests went unanswered, leaving us without recourse or clarity on our situation.

2. Unreasonable Demands : When we contacted Selene Finance by phone, we were told that the only way to retain our home was to pay the full outstanding debt of {$85000.00} upfront, an amount we simply can not afford at this time. No alternative options or relief programs were provided, despite this being our primary residence and homestead. 



This lack of communication and refusal to provide alternative solutions violates principles of good faith and fair dealing, as well as potential regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) regarding mortgage servicing practices. 

Given the impending auction sale date of XX/XX/year>, we urgently request the following actions : 1. An immediate postponement of the auction sale to allow for further discussions and review of alternative solutions.

2. A thorough investigation into Selene Finances failure to respond to our extension requests and their refusal to honor prior agreements made by the original servicer.

3. Assistance in identifying feasible alternatives, such as reinstating the trial plan, offering a reasonable repayment plan, or providing a new loan modification option.

We believe Selene Finance has acted in bad faith and failed to comply with regulations that protect homeowners. This is a matter of grave concern, as it involves our family 's home and financial stability. 

We request immediate action to address this issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-26 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: MI

Complaint narrative:
I completed an application to release a cosigner in XX/XX/year>. I was sent a letter from Mohela denying my request. The only option to appeal the decision was to call them which I did. I spoke to someone who listened to my " appeal '' and said that the matter was being forwarded to someone for review. I never heard back regarding that appeal. 

XX/XX/year> I called Mohela to ask two questions, to find out my overall account number and to check on the status of my appeal. I received my account number and was transferred to an advanced care team ( or something like that ), however, I was never transferred and I was hung up on after the computer was asking about my experience. Like an XXXX, I called back, and after waiting another 18 minutes to reach someone I was transferred again to the same care team ( which I expected ) - after waiting on the line 1 hour and 46 minutes (!!!! ) I finally hung up from exhaustion and extreme anger. While I was on hold almost two hours, I called from my work number but after 27 minutes on hold I hung up that call too. 

It is absolutely unacceptable that they don't have enough staff to answer phones or take the concerns of their borrowers seriously. I have been paying my loans on time for over 10 years, and I'm treated like a XXXX XXXX XXXX  XXXX to these people. XXXX XXXX Mohela, and let me know the status of my appeal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CFS ACCEPTANCE
State: IL

Complaint narrative:
The companys name is CFS it is located XXXX XXXX XXXX XXXX my husband has a loan with them and they keep calling me to my cell phone number. It is listed as primary number but after I spoke to someone on a daily basis because they call me every day And I keep telling them when I will pay they still continue to call me and harass me they keep changing account holders or account managers, different people call me to harass me as soon as I answer the phone they will say when are you gon na make the payment even though the account is not under my name, they give me information of the account which is not under my name over and over every month even if I tell them, I will pay on a specific day. They will still continue to call me and tell me my car will be repossessed if I dont make the payment and it has not even been one week or two weeks Over Ive asked for paperwork about all my payments. Ive never received it. They say they cant send me that type of information because Im not authorized but they do give me information on the account that its late that the car is going to be repossessed which those vehicles that they are talking about are not under my husbands name they are under my name. I need them to stop harassing me. I managed to pay the payments, even though my husband is not working I am the only income and I still manage to make those payments even if its a little late, but they continue to harass me every day.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-26 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX, CA XX/XX/XXXX. I financed my car through my bank XXXX XXXX. I purchased a XXXX XXXX XXXX, XXXX, my credit report was pulled same day XX/XX/XXXX from 7 different car loan agencies. On multiple occasions I have called and asked for a statement that my car was not in house financed and my car was purchased in full. However I have yet to receive any documentation on the information Ive requested. I am asking for all 7 inquiries to be removed within 30 days of XXXX XXXX not responding or giving the documentation I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX, CA XX/XX/XXXX. I financed my car through my bank XXXX XXXX. I purchased a XXXX XXXX XXXX, XXXX, my credit report was pulled same day XX/XX/XXXX from 7 different car loan agencies. On multiple occasions I have called and asked for a statement that my car was not in house financed and my car was purchased in full. However I have yet to receive any documentation on the information Ive requested. I am asking for all 7 inquiries to be removed within 30 days of XXXX XXXX not responding or giving the documentation I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit report contains inaccuracies, with late payments that seem uncharacteristic. Please amend these errors.

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 2024-11-26 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: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted paperwork to trans Union credit bureau, and they refused to remove the inquiry that was placed on my credit report

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 2024-11-26 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-26 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief