vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: AR

Complaint narrative:
Hello, I am writing you because I dont recognize any of these inquiries on my credit report. 

I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 

XXXXXXXX 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 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AR

Complaint narrative:
Hello, I am writing you because I dont recognize any of these inquiries on my credit report. 

I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 

XXXX XXXXXXXX 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 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 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 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 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 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

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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 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: NC

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
mY LOAN WAS TRANSFERRED IN XXXX, AND IN XXXX THERE REMAINS UNAPPLIED FUNDS AND SURPLUS OF ESCROW IN THE ACCOUNT AND THEY WILL NOT ISSUE A REFUND TO ME FOR THIS MONEY. iTS BEEN SITTING IN THE ACCOUNT FOR 8 MONTHS NOW,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to unfreeze my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Rozlin Financial Group, Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I entered into an XXXX employment contract with XXXX XXXX XXXX XXXX XXXX be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to XXXX XXXX with a former co worker who would serve as my manager as were a team of us that would cover the state of Mississippi and the other states we chose to be licensed in, for me I was licensed in MS , TN and AR. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by XXXX XXXX so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from XXXX XXXX. I was the only employee hired with this Mississippi group that was remaining and after 17mths I resigned my post. XXXX XXXX was required to have an office per NMLS rules 125 miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX XXXX starting with XXXX XXXX. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with XXXX XXXX and the constant change in processing and management. 
XXXX XXXX had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXX trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the 18mths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely 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 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Business Financing Corporation
State: IA

Complaint narrative:
I applied for a XXXX back in XXXX, at first the relationship was going fine, business was doing well. The fees were absurd but it helped out at the time. After I was paid off 40 % I requested a new XXXX, the original still had a balance, the account manager assumed I wanted the new cash advance to pay off the original, this was never discussed with me, they just assumed, again absurd fees, so each deposit was significantly a lot less than what was approved. Between fees and the fixed percentage rate it was a lot that was deducted prior the depositing any funds. Fast forward a year, business has slowed down, they allowed reduced payments, however it still isn't enough, as I've been short on payroll a few times because of it. The company also requested login information to my bank before finalizing the funding. At this point I am only comfortable on a Biweekly plan, however they do not want to " compromise '' any further, other than the reduction I was offered.

1. The fees are absurd 2. The account manager requested my bank login ( not sure it's legal )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-03 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought a purchase through a company called XXXX. They automatically withdraw money each month in order to pay off of the purchase. This was all legitimate. 

When they charged me last month I did not recognize the charge so I called Chase on a recorded line ( on XXXX around XXXX ) to inquire who the vendor was ( it hadn't processed yet ). I was told that it was for food, which ended up being untrue. But having been given false information I filed a dispute. 

Once I became aware that the charge was indeed legitimate, I called back and cancelled the dispute. But, in the time that it took to resend the funds to XXXX, I had already been charged again ( charged on XX/XX/XXXX and claim reversed on XX/XX/XXXX ). 

And so, I filed another dispute on XX/XX/XXXX to explain what had happened and make them aware of the double charge. I was given my money back but then they reversed it again on XX/XX/XXXX. So I have still been double charged. 

At this point, Chase is refusing to get my money back despite the fact that I explained ( several times on the phone on XX/XX/XXXX and XX/XX/XXXX ) that this was a double charge. They admitted to seeing that it was a double charge but continue to refuse to do anything about it. I let them know that this essentially makes them a willing participant to a theft, but they don't care at all. 

They told me to contact the vendor, despite the fact that it could take up to 45 days for the vendor to see the charge. The vendor is disputing having received the extra money, so I am completely unable to get MY money back that was illegally given to this vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.

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 2024-04-03 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: Grant & Weber
State: AZ

Complaint narrative:
I disputed the charges, but they are like a dog with a bone, wrong bone, I did not go to the dr for anything, its someone elses bill, thx

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 2024-04-03 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: FL

Complaint narrative:
On XX/XX/year> a hard inquiry appeared on my credit report and my husbands by XXXX XXXX XXXX  XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX VA XXXX, will refer to as XXXX XXXX. 

I contacted the creditor, XXXX XXXX, immediately on XX/XX/year>. XXXX  XXXX representative stated no records or accounts appear under my name. 

XX/XX/year>, I reviewed XXXX and Equifax and the XXXX XXXX hard inquiry is reflecting on Equifax. 

XX/XX/year>, I contacted Equifax who advised I take it up with the creditor. Equifax rep suggested I wait two year for inquiry to fall off. Then advised to complete an FTC report and mail it to Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX. Additionally, I contacted XXXX XXXX XXXX ( XXXX ) XXXX to be transferred multiple times & be advised no accounts are under my SSN. I advised each rep an account does not need to exist for an inquiry to occur. I was provided with ph # ( XXXX ) XXXX as a solution to locate a record of the inquiry. 

Still have not resolved how to get a hard inquiry off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-03 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights per the following laws : 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 2024-04-03 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Based on previous complaint with CFPB, XXXX XXXX XXXX was supposed to be deleted from my Transunion 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 non-monetary relief