vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: MS

Complaint narrative:
" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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
Consumer complaint received 2024-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Loan # XXXX Point of contact : XXXX XXXX Customer Service Superviser I submitted a PMI cancellation request in XX/XX/year>. NewRez said the entire PMI removal process usually took 90 days, so it should have been completed on/about XX/XX/year>. Although NewRez sent me a letter in XX/XX/year> confirming that XXXX  will be removed, and despite my repeated escalations, XXXX  is still not 'officially ' cancelled. NewRez is XXXX ) still overcharging me each month for XXXX, and XXXX ) it's been 8 months but there's no expected timeline for resolution. 

General Timeline - XX/XX/year> - I submitted a XXXX  cancellation request - Every week, I called to follow-up however the NewRez team failed take action on it until XXXX - XX/XX/year> - XXXX finally ordered - XX/XX/year> - XXXX  is conducted by local real estate agent - XX/XX/year>- I received a physical letter confirming that the loan met the eligibility criteria for XXXX  removal - XX/XX/year>- I was overcharged and still charged for XXXX  - XX/XX/year> - I realize the overcharge, contact NewRez and bring issue to their attention - Every week, I continually follow-up. Each week the agent " escalates '' the issue - XX/XX/year> - I'm again overcharged for XXXX  in my monthly loan payment - XX/XX/year> - NewRez agent realizes the next step is for an escrow analysis to be performed, but it hasn't been. An escrow analysis is ordered and the issue is 'escalated ' - XX/XX/year> - XXXX again contact NewRez to ask for the status, and the escrow analysis isn't started and isn't planned to be complete for over XXXX  days still NewRez has missed every internal process XXXX  they have - XXXX ) processed my XXXX  removal request in XXXX months, but XXXX was XXXX  days, XXXX ) ordered my BPO in XXXX  days, but XXXX was XXXX  days, XXXX ) processed the XXXX  analysis in XXXX  days, but XXXX XXXX 14 days, XXXX ) have not removed XXXX  in over XXXX  days but XXXX  was XXXX  days. I have had to call NewRez to nag, plead, request and escalate every week since XXXX. They are not a credible or trustworthy firm and they should be audited, fined and held accountable for their flagrant negligence and lack of concern for their own customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2024-10-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, 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 2024-10-12 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:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, 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 2024-10-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXX XXXX  XXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : XXXX. Immediately remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 
XXXX. Refrain from accessing my credit report in the future without my explicit written consent. 
XXXX. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again. 

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within 30 days, as required by law. Failure to resolve this matter could result in further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : XXXX. Immediately remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 
XXXX. Refrain from accessing my credit report in the future without my explicit written consent. 
XXXX. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again. 

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within XXXX  days, as required by law. Failure to resolve this matter could result in further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX, I reviewed my credit report from TransUnion and noticed incorrect personal information, including my name, phone number, and address. These details were not updated accurately despite my prior communications. 

I have not changed my name, phone number, or address recently, and I have provided the correct information to TransUnion previously. The incorrect entries are causing confusion and potentially affecting my credit profile. 

Actions Taken : I provided supporting documents to verify my identity and correct information, but the errors remain unresolved. 

I am requesting that TransUnion update my credit report with the correct name, phone number, and address. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Caribou Financial, Inc.
State: NC

Complaint narrative:
In XXXX  caribou had refinanced my vehicle and advertised that they had the lowest interest rate. They infact charged me a finance fee which is unethical. 15 USC 1605 which states that any consumer credit transaction shall be determined as the sum of all charges. After they added a hefty finance fee they turned and sold the losn to XXXX XXXX XXXX which I knew nothing about. XXXX is now listed on my car title and they file a cancellation of debt ( 1099c ) which I requested but theh refuse to provide to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
My issues with MOHELA and their shady practices are long-standing. Ive been trying to get my XXXX counts updated for the last XXXX XXXX. Ive done my best to give them grace but the game has changed now that Im attempting to get pre-approved for mortgage. I emailed and called customer service monthly through the entirety of XXXX but was never able to get a resolution. Ive made multiple reconsideration requests and a request for buyback and never got a response. The only time I have a chance is by calling their customer service, where an agent gives an excuse about bureaucratic red tape. This is what happened that escalated this situation for me : 1-try to get pre-approved for mortgage 2-credit report comes back with errors that portray me as a less than desirable candidate because student loans from MOHELA and debts were duplicated on my credit report ( should be 7, not 12 ). MOHELA also reports incorrect information about the life of the loan. 
3-Call MOHELA and after being on hold for an hour, I spent another hour on the phone with customer service. I explain that all the info about my loans ( loan terms, projected payments ) are incorrect on my credit report, along with failure to progress on my previous issues with qualifying for XXXX and being forced into an administrative forbearance and the impact on XXXX.The agent said she submitted forms to all 3 credit bureaus to correct the error but should couldnt provide me with any confirmation that was actually done. The Agent also tells me I might start making repayments in XX/XX/XXXX, but even that is tentative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATED TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a couple of complaints through CFPB about XXXX because incorrect credit record. They retaliated me by lowering my credit score significantly to punish me. Please update my credit score by using correct and updated data.

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