vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: NJ

Complaint narrative:
I currently have some unauthorized inquiries appearing 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen/PHH is reporting current late statuses with all 3 credit bureaus on my husband 's account which was transferred and closed in XXXX. We were not aware of this current reporting until we applied for a home mortgage loan and were denied because it appears as if we are currently late on mortgage payments. As soon as we were made aware of this error, my husband filed disputes directly with each credit bureau. We both contacted Ocwen via phone calls, fax, and email. We supplied the necessary documentation, but Ocwen states their reporting is accurate. It is not accurate for XXXX as again, this account is closed with a XXXX balance and has been since 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 2023-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Debit was charge for unauthorized amount from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Ordered XXXX XXXX ( XXXX XXXX ) XXXX ( Order # XXXX ) on XX/XX/2023 - never received it. 
Affirm Loan Services approved me for a loan ( Payment Agreement ID : XXXX ) to pay for the order listed above XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$27.00} Paid : XX/XX/2023 from my credit card ending in XXXX Affirm is STILL trying to withdraw payments from my credit card for this order ( that I never received ). Havent been successful in trying to contact XXXX XXXX. XXXX XXXX was a company that I found on XXXX and is obviously a scam. 

Affirm has tainted my credit report with a late payment because the payment that was due on XX/XX/2023 was not obtained from my credit card. Now my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have XXXX XXXXXXXX XXXX  account number XXXX that's reporting inaccurate information for 3 years now. This XXXX Credit catd company reported that I was 30 whole days late back in XXXX of 2021. This is a Melicous attack on me from the service center or company. I never missed a payment at all. I spoke with different personnel with that company. In complaints to inaccuracies when I was a member. I did share how incompetent they were and I guess this was their attack back on me. This account is damaging to me getting any VA approvals for a home loan. 

I attached a snap shot of XXXX has this same exact account on their reporting system. They report that I have no late payment for XX/XX/ 2021 nor have I ever been late with XXXX XXXX XXXX Something is obviously inaccurate and wrong on Experian reporting system. I simply ask that this account be removed 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 explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This issue with with Citibank, N.A., XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. 

RE : Home Depot Credit Services and Best Buy Credit Services Citibank is the issuer for both of these branded credit cards, however, Citibank does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond Citibank. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( Best Buy ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX too old to report NYS law pad charge off must be removed after 4 years its been 6 its to old to report XXXX and XXXX has already deledted this last year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As the files are large and broken down into parts, i provided the letters sent to Wells Fargo. All additional evidence can be provided. 

Wells Fargo responded and stated they would provide a response by XX/XX/2023. To date, there has been no response of further communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
My credit report shows 12 open acct with EDFINANCIAL SERVICES L but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX aprox XXXX researching online for help with XXXX Product when acquired a contact number for XXXX via ad. Contacted and advised my problem they said they could help me. Upon talking with Technical Support and them directing my to my conclusion it turned out I was the victim of Criminal Fraud which they remotely logged into my phone and wiped my account of my remaining {$1200.00} of my XXXX check. Immediately called Chime and reported the incident and they advised that " No Error involved '' meanwhile I've reported to FTC, IC3 & XXXX. Now 20 days later Chime still refuses reimbursements of stolen funds. Please help in any way that you can. I have just came across your organization so I reported to your company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I had paid off my Auto loan in full on XXXX, XXXX, 2023, but till date the Santander Bank has not reported to the Credit Bureau and the Loan amount is still showing in my Credit Report. It's a Fraud and despite of several Complaints earlier, Santander Bank is not taking this seriously. 

I spoke to one of the Customer Support Associates XXXX on XXXX2023 and She confirmed that the account has been paid in full on XX/XX/2023and refused to give me a Ticket number for the Complaint for concern about not reporting to the Credit Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: United PanAm Financial Corp.
State: MN

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! 

Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United Auto Credit Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United Auto Credit Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: MN

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! 
Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities. 

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This issue with with XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report.

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This issue with with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This issue with with XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Wells Fargo Dealer Services has violated my rights under 15 USC 1681 section 602 which states that I have a right to privacy. 15 USC 1681 section 604A Section 2 it also states ; that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open consumer and credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have had XXXX XXXX XXXX XXXX account XXXX. That's been reporting over 6 years now that I have 6 late payments dated back in 2018. This account was opened FRAUDULENTLY in my name. I discovered that a roommate deliberately opened this account in my name. Only to prevent me from getting approved for a VA home loan. I found out that I was declined at the last moment of closing. I then ended up in a VA shelter where I lived for a year until I got into my own apartment. 
I file the police report with Experian at that time and I even had a fraud alert times extended was added. 

This account should not be on my Experian credit profile. I ask that you please remove it immediately. So that I can get the VA approval for a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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