vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
This is not a mistake, and I need this issue addressed immediately. My credit report contains mixed and inaccurate information, including accounts, transactions, and personal details that do not belong to me. Despite my repeated efforts to resolve this, these errors persist, causing me extreme stress and negatively impacting my financial stability. Additionally, incorrect personal information is linked to my report, further complicating my credit profile.

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 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a request to Rushmore Servicing for the removal of Private Mortgage Insurance ( PMI ) from my loan. My loan has met the requirements for PMI removal, as the XXXX ( XXXX ) ratio has fallen below 80 % due to significant XXXX  improvements made to the property. These improvements were carried out in accordance with XXXX XXXX and XXXX XXXX guidelines, which allow for PMI removal without requiring a new appraisal to demonstrate a 70 % XXXX. 

Despite providing a third-party appraisal as evidence of the decreased XXXX, Rushmore Servicing has refused to remove the PMI. Their stated reason is that the appraisal was not ordered directly by them. However, this contradicts their own PMI Help Center, which states that any appraisal can be used, without specifying that it must be ordered by Rushmore.

Furthermore, I have experienced a complete lack of communication from Rushmore Servicing regarding this matter. Despite multiple requests for callbacks, I have not received any response in the six weeks since my initial contact. My most recent callback request on XX/XX/year>, has also gone unanswered. 

Adding to my concerns, the notes on my account suggest that Rushmore has made attempts to contact me, but these claims appear to be falsified. The caller ID for these alleged calls shows " Mr. Cooper Loans, '' a company unrelated to my mortgage, with the exception of one call received on XX/XX/year>, immediately after I filed a previous complaint. 

As a result of Rushmore 's inaction and refusal to remove the PMI, I have incurred unnecessary PMI payments. This has created a financial burden that I should not have to bear, given that my loan meets the necessary criteria for PMI removal. 

I believe Rushmore Servicing 's conduct in this matter constitutes a violation of consumer protection laws and regulations. I trust that the CFPB will take the necessary steps to resolve this issue and prevent similar occurrences in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I recently discovered that a credit card account was opened under my name/SSN without my authorization. I am unsure how my information was obtained. The account was opened on XX/XX/year>, with XXXX  XXXX XXXX. The first transaction occurred in XX/XX/year>, and the card is currently over its limit with a balance of {$520.00} on a {$500.00} credit limit. Unfortunately, I am unable to access further details as I can only see this information through Experian.com. I've attached all account informationbelow. I have already frozen my account to prevent further fraudulent activity. 

I've contacted XXXX  regarding this matter, however, they responded that they don't have any record associated with my SSN. They said that if it is an commercial or other company 's credit card through XXXX, XXXX does not have details. 

Also, I noticed two hard inquiries and several soft inquiries for credit card applications that I did not initiate on XXXX and XX/XX/year>. 

I would appreciate your help getting more information. I am currently filing a dispute with Experian.com to get back my credit score. Your help will really helps. Thank you!

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX  scam came from Chime bank and whe I answered no I didnt make the charge in question {$5000.00} disappeared from my account. I filed a dispute and they closed it in under 24 hours even though they have the account that stole the money and before police IC3 report could be submitted. I have called multiple times and was told a rebuttal was in process but that was not accomplished until over 10 days. XXXX  chime tag XXXX XXXXXXXX using a phone number from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union for discriminatory banking practices. Recently, I attempted to deposit a legitimate settlement check at Navy Federal, but my transaction was wrongfully denied. The check was flagged as fraudulent due to its large amount, and when I contacted the bank for clarification, I was informed that I would need to present the check in person. 

During the call, the bank representative admitted that the check had not even been verified before being rejected. This raises serious concerns about the fairness and consistency of Navy Federals verification process. Given that no proper validation occurred, I strongly believe this decision was influenced by racial bias. 

I am seeking an investigation into this matter, as well as a review of Navy Federals policies to ensure they are applied fairly and without discrimination. No customer should be subjected to unfair treatment based on race, and financial institutions must be held accountable for such practices.

Please let me know the next steps in the complaint process and any additional information you may need from me. I appreciate your time and attention to this matter and look forward to your response. 

Sincerely, XXXX 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have put several disputes on negative accounts that show up on my credit report. All of these accounts have been paid in full. The Apple Card was paid in full in beginning of XX/XX/XXXX. The other cards were paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I did a credit check and noticed that I had late payments on the account. XXXX XXXX XXXX  credit card # XXXX, according to different reports, they show an irregular manner, not specific, not exact and less fair, since in Experian it shows a default of 30 days in XX/XX/year>, XXXX 30 days in XX/XX/year> and and XXXX 60 days in XX/XX/year>. Violating Law 15 U.S. Cod 1681 e. This causes damage to my credit image and a large economic impact on me. I request that you please investigate and demand that this information be updated, leaving it clean and without late payments on this 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 explanation
Consumer complaint received 2025-02-18 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I submitted a complaint to Ally financial showing they are reporting late payments on my credit. I provided all my bank statements to show that i paid more than what is asked, and before the payment due date. However, they have reported " no payment or late payment '' i called asking why they are reporting late payments, but they said, " payment rejected ''. If payment is rejected then why haven't : 1 ) the Company emailed, called me and say we apologize sir, but your payment did not go through? 2 ) anytime my payments reject, my bank notifies me either with email or a call saying payment returned. where is the returned money? where is the rejected payment stated on my monthly statement? it does not show because I called the bank and they even said that all my payments went through. So, if my payments went through, why is ALLY Financial rejecting them? i asked a few lawyers I know, and they told me sometimes companies will scam extra money out by rejecting the payment, then try again after the payment due date so the consumer has to pay late fees. Well, it seems this is what ALLY Financial is doing because all my bank statements, bank tellers i spoke to all stated all my payments went through, and any time someone rejects the money, I am supposed to get it back, but nothing was returned to me. After making a first complaint, ALLY Financial returned that they are the ones looking into the matter and OfCourse found nothing wrong. I want an outside source looking into this matter because I have bank statement proof that i paid more than the amount and before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-18 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
XX/XX/XXXX- We ( My ex-roommate and I ) received a mail from Sequiim Asset Solutions LLC that we owe XXXX XXXX to XXXX XXXX  and to resolve it by XX/XX/XXXX. 

XX/XX/XXXX - We disputed the debt asking for proof of debt. 

XX/XX/XXXX - Sequiim Asset Solutions LLC replied to us providing documents that we owed rent for the month of XX/XX/XXXX. 

XX/XX/XXXX - We mail back to Sequiim disputing the debt with proof that we moved out of the apartment on XX/XX/XXXX. 
Proof attached in the mail : 1. We also provide proof of Lease transfer to the new residents of the apartment signed by all of us.

2. Also, attached was a mail thread from XX/XX/XXXX where I had mailed XXXX that their online portal indicated that we owed them rent for XXXX and XX/XX/XXXX. They had responded in the Email thread in XX/XX/XXXX that they would fix this mistake. 
3. I also attached proof that I had ended electricity meter with XXXX XXXX  for the month of XXXX on XX/XX/XXXX. 
4. Also there is a mail thread with XXXX XXXX  with date where we had talked about moving out in XXXX and providing the lease transfer document to them. 

They did not communicate with us over email or mail thereafter about the rent.

The apartment is coming after us with a fake document that says we moved out in XX/XX/XXXX when we actually moved out in XX/XX/XXXX. The apartment also mentions in the document provided through debt collection that our deposit of XXXX XXXX was never returned ( which we never questioned them when we left ). However, in their own document they do not try to deduct this XXXX XXXX towards the alleged payment we owe them of XXXX .

I have called them multiple times and they did not offer to drop the debt and they do not reply to my emails. Please help us out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing an account on my credit report for over a year now. I eventually had to come to the CFPB for support, and eventually got a letter from the company accepting responsibility for their error. After multiple disputes with all of the bureaus, Experian is now the only bureau that is still saying they verified the ( negative ) information as correct. Clearly they are not actually investigating the account, as the company has taken responsibility and they ( experian ) are still reporting this account incorrectly regardless of my disputes.

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 2025-02-19 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: PA

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

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 2025-02-18 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Experian. Their records falsely reflect several payments as late, despite the fact that they were made on time. These errors have remained on my credit report, unfairly damaging my credit score and causing unnecessary frustration.

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 2025-02-19 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: FL

Complaint narrative:
I have requested to retract any application that XXXX XXXX XXXX XXXX XXXX XXXX has been non compliant with my disputes and the FCRA Failure to respond satisfactory with deletion I dispute and challenge this inquiry from XXXX XXXX XXXX Pursuant FCRA Section 611 ( 15 U.S.C. 1681i ) unverified inquires must be removed I did not authorize this inquiry nor did i give permission if XXXX XXXX XXXX disagrees and can provide evidence please provide supporting documents showing my expressed permission and wet ink signature. Please investigate this and enforce removal in accordance with the FCRA and send me a updated credit report Thank You

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