vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
AGAIN, MY CREDIT SCORE IS NOT WHERE IT'S SUPPOSED TO BE BECAUSE OF FALSE REPORTING OF LATE SUBSIDY MORTGAGE PAYMENT FOR XX/XX/year>. IT REMAINS THAT MY MORTGAGE PAYMENT WAS LATE FOR XX/XX/year> AND IT WAS NOT LOST. THE CHECK WAS SENT TO XXXX BUT XXXX LOST THE CHECK. XXXX XXXX XXXX XXXX HAD TO ISSUE ANOTHER CHECK. I GOT A STATEMENT FROM XXXX  STATING THAT THEY RECEIVED MY MORTGAGE PAYMENTS IN XX/XX/year> WITHOUT ANY ISSUES AND APPLIED THE PAYMENT ACCORDINGLY. I WILL ATTACH THE STATEMENT. I WANT THE LATE PAYMENT STATUS REMOVED FROM MY CREDIT REPORT. XXXX ALSO ADMITTED THAT THEIR SYSTEM WAS NOT RECOGNIZING SUBSIDY PAYMENTS WHICH WAS ONE OF THEIR ISSUES. THAT'S NOT MY PROBLEM AND CERTAINLY NOT THEIR RIGHT TO REPORT NEGATIVES TO THE CREDIT BUREAU.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I asked for an explanation as to why the interest rate doubled. There where no missed payments. No explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CBC Companies, Inc.
State: MD

Complaint narrative:
There were hard inquiries on my credit report in XXXX XXXX  and XX/XX/ that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have applied for XXXX XXXX XXXX from XXXX  on XXXX XXXX XXXX They have denied my application on XX/XX/year>. I have attached their decision which I believe is unfair and must be corrected. My Federal Loans from XXXX XXXX was approved for Brrowers defense for predatory school misconduct under sweet v. Cardona on XX/XX/year>. I have informed them about the decision and they have denied my application. How can Federal approved my XXXX  XXXX  for loan forgiveness and XXXX  do not? They need to be corrected and discharge my loans from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 seven 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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 seven 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 2024-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with Equifax. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with XXXX. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I keep receiving emails from XXXX with a false amount due and the following numbers to call : XXXX XXXX These are bogus # '' s trying to get a response to give personal info. 

One of the emails from XXXX : Hello, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Billing has updated their money request Updated request details Amount requested {$1300.00} USD Note from XXXX  Billing : Don't recognize the seller? Please contact PayPal Support Team immediately at XXXX ( XXXX ) XXXX ( Toll Free ). If you have any issues, you can also contact XXXX ( XXXX ) XXXX ( XXXX XXXX ). If you do not reach out, we will proceed with the transaction. 
Transaction ID XXXX Transaction date XX/XX/year> Pay Now Don't recognize this request? 

Before paying, make sure you recognize this person. Don't engage with this request if you're unsure about it. PayPal won't contact you through a money request. Learn more about common security threats and how to spot them. 

PayPal Help & Contact | XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
In XXXX I financed a vehicle through Navy Federal Credit Union. When first financing I originally went through a dealership that over charges, went through another dealership they returned the vehicle on my behalf and we switched the loan to the XXXX XXXX that I went on to own and pay off by XXXX. In the very beginning I did have an entire pay period garnished from my account. Fast forward XX/XX/XXXX, I found a letter in my lock box from Navy Federal that I had assumed was a closing statement or some sort of advertisement ( junk ), as it was dated XXXX almost a year after my wife and I paid the loan off and closed the account in XXXX. I was so happy to be done and over dealing with Navy Federal as my XXXX loan ended up costing roughly XXXX. 
Inside what would have been a normal statement Navy Federal envelope was a check for {$2200.00}, along with a letter explaining what it was for. Take note this check did not have a cash by date.

I reached out to Navy Federal via chat and call, as I reside in a state with no Navy Federal branches. They suggested to reopen my checking account and deposit the check via partner atm and there should be no issue especially since there is not an expiration date. The deposit was denied. I reached back out and they said to go ahead and deposit via mobile deposit. Again denied. They then said to mail the return copy check from the deposit to them directly. They sent the copy back with a memo non negotiable. Navy Federal will not reissue the funds nor make anything right. Of course before stating this entire process I did look up what the letter said. During the time of receiving the actual check Navy Federal has been sued and had to settle. This check was the settlement money. I along with many others were ordered to be paid. I had no idea this was going on at that time. That letter was the only letter recieve and it came via normal mail. There was no other forms of communication, it was never reported anywhere that I can find as unclaimed funds.

I now feel as though I may not be the only person that this happened to. 
I am curious out of the XXXX XXXX settlement how much was actually paid out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 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 victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately XXXX Remove Below close acct XXXX XXXX, XXXX charge off Transunion Remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
I am victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately Equifax Remove Below close acct XXXX XXXX, XXXX charge off XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I found that there were four bill pay transactions totaling {$23000.00} to XXXX XXXX XXXX account XXXX. That same day I notified Wells Fargo. They sent me a letter sating that the transaction was authorized by me and the case was closed. I sent an affidavit claiming I did not authorize them. They again responded I did authorize them and I did not prove that I didnt authorize them and the case was closed. 

Timeline Wells Fargo Fraud Complaint XX/XX/XXXXXXXX XXXX payment made to XXXX XXXX account XXXX {$4700.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$9700.00} Claim # XXXX XX/XX/XXXX XXXX payment made to XXXX XXXX account XXXX {$4600.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$4800.00} Claim # XXXX XX/XX/XXXX I discovered the transfers and reported them to Wells Fargo by phone XX/XX/XXXX Wells Fargo wrote stating I was to send an affidavit within 10 days or the case would be closed. 
XX/XX/XXXX I went to the XXXX Wells Fargo Branch and the manager sent the affidavit by fax. 
XX/XX/XXXX I contacted Wells Fargo fraud and was advised they didnt receive the fax and closed the case. 
XX/XX/XXXX I went to the bank and the manager again sent the fax and escalated the claim. 
Escalation ID XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised the case again was closed. I requested documentation be mailed to me. 
XX/XX/XXXX I received a call from someone identifying as XXXX from Wells Fargo stating she was going to Investigate my claim and would email me by XX/XX/XXXX. 
XX/XX/XXXX I contacted Wells Fargo fraud checking for updates. I was advised the case was now assigned to XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised by XXXX that the case was closed. I was then transferred to the escalation section. I spoke to XXXX who said she would investigate my claim. I related previously speaking to a XXXX who called from Wells Fargo. She stated that was probably a fraudulent call. Never take a phone call from Wells Fargo. She said that her computer went down and she would call me back. I told her to email me instead. 
She never responded. 
I received documentation of their investigation which didnt make much sense to me since it just contained IP addresses. I assumed that they would contact XXXX XXXX and determine who received the funds and why.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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