vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

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 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 2024-11-24 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: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has refused to send me a detailed bill regarding a debt they claim I owe. This was secured account which means that I put my own money into this account and they are asking me to pay them more money and I'm the one who put my money onto this account. This has been removed off of my credit, but they refuse to move it off of my XXXX report. This is my final attempt before I file a lawsuit against the company. Within these next 30 days if this is not taken care of there will be a pending lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am reaching out regarding the account referenced under XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting a copy of the original signed contract or agreement that verifies the validity of the debt you are attempting to collect. 

If you are unable to provide this documentation, I kindly request that the account be removed from my credit report and that any collection activity related to this account cease immediately. 

Please confirm receipt of this request and provide a response at your earliest convenience. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I am writing to seek assistance regarding an urgent issue with my XXXX checking account. On the XX/XX/year> of XXXX, I received a direct deposit for my company, XXXX XXXX XXXX, which was unfortunately restricted just XXXX hours after the transfer. 

I have reached out to XXXX customer service multiple times to explain our situation. The funds are critical for our business operations and essential household expenses, as we need to purchase groceries and medications for my son. Unfortunately, I am unable to withdraw the funds at this time. 

During my conversations with customer service, they inquired about the company 's name associated with the transfer. I clarified that XXXX & XXXX is indeed our company 's name. They mentioned that the matter would be investigated, but we have yet to receive any updates after several days of waiting. 

This amount of {$3900.00} is significant for us, especially since we are a small company and my husband is currently without another job. I kindly request your prompt assistance in resolving this matter. 


The email attracted to the XXXX account is XXXX Checking Routing # XXXX Accounts # XXXX Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing in response to my communication regarding the permanent nature of FHA mortgage insurance on my loan. While I understand the FHA regulations as outlined in your response, I find this policy to be disproportionately burdensome, given the following : Increased Financial Strain : My property taxes and homeowner 's insurance premiums have significantly increased, further escalating my monthly obligations. 
Home Appreciation : My home has appreciated substantially since the loan was originated, resulting in an updated LTV ratio that would qualify for mortgage insurance removal under alternative programs. 

Refinancing Challenges : While refinancing is suggested as a solution, the current market interest rates would significantly increase my monthly mortgage payment, making this option financially unsustainable. 

I respectfully request that your organization review this aspect of the loan and explore potential avenues for relief. Specifically, I ask for your assistance in advocating for policy changes or providing options such as streamlined refinancing, temporary mortgage insurance reductions, or alternative solutions to offset the financial burden. 

Rising homeownership costs and the inability to remove mortgage insurance despite substantial equity have placed an undue strain on my finances. I look forward to your response with actionable next steps and a commitment to exploring alternative support methods. 

Thank you for your time and attention to this matter. 

Sincerely

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
The bank that I am a member of since XXXX have placed a restriction on my use of debit card for a year. When I found out I contacted them ask the reasons behind their decision. I was told by a supervisor that didnt have a reason or didnt know the reason, yet he went on to tell me that Ive had XXXX debits replaced. I have XXXX checking accounts with Navy Federal Credit Union but have XXXX card that I use. Last week I called to report that there was XXXX charges on my account from XXXX subscriptions that I cancelled but they continued to bill me and ask them to stop. I didnt cancel my card until a day or so later because I had a charge from XXXX which I know wasnt from me Ive never used XXXX XXXX Thats when I reported the charge and canceled card. XXXX days later Im not restricted for a year from using debit card. So am I suppose to just not do anything about charge I didnt make. Ive tried to file an appeal but if I dont know the reason behind this decision I dont know how to defend myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My address is wrong and I want only One address reporting on my report. I have sent this request in several times. Dear consumer department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of you legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security number on my credit report or sell any information containing my Social Security number to any company. Reporting my Social Security number on my record report arises a safety issue and opens me up to potential identity theft. Immediately delete any and all Social Security numbers that your company is reporting on my credit report. My date of birth is XX/XX/XXXXXXXX  I do NOT have any requisite OTHER dates of birth, and I do NOT desire any OTHER dates of birth to be retained or reported if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported. If ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that timeframe, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year>, I filled out a pre-approval application for a US Bank credit card. I navigated to this through choosing the pre-approval button on a banner at the top of the screen, NOT the normal Apply button. The banner says " see if you're pre-approved ... without affecting your credit score '', as can be seen in an attached screenshot. This means no hard credit inquiry should occur, only a soft pull. 

However, after filling out the pre-approval form, I ended up receiving a hard credit inquiry on my XXXX credit report, and this supposed pre-approval application seemed to go through as an actual credit application. 

I then attempted disputing this inquiry with XXXX, but their website didn't allow for me to include the context and details of the dispute. The result suggested to reach out to US Bank directly. I have attached the dispute result which seems to be a generic response when they don't have enough information. 

So I reached out to US Bank customer support who suggested faxing US Bank 's XXXX XXXX XXXX Dispute department with a set of information about the inquiry and why it should be removed. 

I sent the fax over a month ago on XX/XX/year> to inquire about getting this credit inquiry removed, but never received any contact or response to my fax. I have attached the fax confirmation and what was faxed as well. 

Finally, I attempted reaching out to XXXX XXXX 's executive office by sending an email to XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> but also did not receive any sort of response. I have attached a copy of this email too.

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 2024-11-24 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed public record that I did not make nor did I approve anyone to pull 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a secure message request to Freedom Mortgage Corporation via their website. I wrote the following : This email serves as my written request for a refund of specific reinstatement charges. I requested a reinstatement quote good through XX/XX/XXXX from the foreclosure attorney, which was {$18000.00}. A review of the XX/XX/XXXX mortgage statement noted the following : 1. The Past Payment Breakdown - paid last month section reflected {$18000.00}. However, a cashiers check in amount of {$18000.00} was delivered to Freedom Mortgage Corporation. The net difference between {$18000.00} and {$18000.00} is {$500.00}. While I am owed {$500.00}, it appears a credit of {$300.00} was applied to my account. However, I am owed a refund of {$200.00} ( {$500.00} - $ XXXX {$200.00} ). 
2. The statement reflects six ( 6 ) property inspection fees in the amount of {$30.00} each on XX/XX/XXXX. While one ( 1 ) property inspection fee appears reasonable, five ( 5 ) additional property inspections on same date appears unreasonable. I am requesting refund of {$150.00} ( $ XXXX XXXX ). 
3. The statement reflects payment as description for several amounts : {$570.00} ; {$320.00} ; {$45.00} ; {$850.00} ; {$400.00}. Provide specific detail/description for each item if not a monthly payment ( e.g., {$2600.00} ) or late fee ( e.g., {$78.00} ). 
4. The foreclosure attorney quote dated XX/XX/XXXX indicated {$1400.00} for trustees fees/costs. I am making the assumption the breakdown of charges are : {$570.00} ; {$850.00} ; {$45.00}. A foreclosure expense {$850.00} on XX/XX/XXXX ( pg. 1 of 3 ) was noted. A second {$850.00} with payment description ( pg. 2 of 2 ) was also noted. If this was a duplicate charge for foreclosure expense/ trustees fee/costs that appears to be an unreasonable charge and I request a refund of {$850.00}. 
5. The foreclosure attorney reinstatement quote dated XX/XX/XXXX indicated {$400.00} was for an appraisal. A property appraisal for the exterior and interior for {$400.00} in the XXXXXXXX XXXX  market appears reasonable. However, a property appraisal was not performed. Specifically, no appraiser was provided access to the property ( by me as owner ) to perform an appraisal of the interior and exterior of property. I am requesting a refund of {$400.00}.

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