vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally request the removal of certain hard inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), which allows me to dispute and request corrections to any information that is inaccurate or incomplete. 
Upon reviewing my credit report, I noticed that there are hard inquiries that I do not recognize or did not authorize. I kindly ask that you investigate and remove these inquiries from my report. 
According to the FCRA, I have the right to dispute any inaccurate or unauthorized information on my credit report. Please investigate the following inquiries : Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian If these inquiries were made without my authorization or in violation of the FCRA, I request that they be removed immediately. Please provide me with written confirmation once the updates have been made. 
If you require any further documentation or information, feel free to contact me at XXXX XXXX. I appreciate your prompt attention to this matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXXXX/XX/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 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Credimatico LLC
State: TX

Complaint narrative:
Got to love from them in XXXX and they said they will contact me in XXXX they never did and they had aren't authorized permission to withdraw money without letting me know first I wanted them to contact me and let them know how much I wanted to take out every two weeks they automatically tak XXXX with out letting me know they never contacted me after that it's them taking it without me knowing they should have let me know before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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., Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: AR

Complaint narrative:
I opened an account with {$50.00} and the fees and everything is to expensive. I tried to close my account and withdraw funds. Now they are sad I need to add more money to be able to withdraw or get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting me as late/charged off/past due even though my balance with this account is reflecting and showing {$0.00} balance and has been for some time now as it pertains to all 3 of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/year> I disputed this issue with Equifax about my XXXX XXXX XXXX loan. It should not be coming up as my XXXX XXXX loan anymore because when I contacted that loan servicer, they said they had transferred the account to a different loan servicer run by the Dept. Of Education, XXXX. 

Despite the dispute I entered, I still do see both XXXX XXXX and XXXX on my credit report and that means I have derogatory marks/ additional information showing up twice on my credit report. The dispute results said that it was updated, but it still shows up the same on my equifax credit reports. 

Since XX/XX/year>, I have been in contact with XXXX, and they have deferred my perkins loan, as it shows up on my credit report. I have overwhelming amounts of evidence of this. I am also in constant communication with them because they are in the process of cancelling the loans. 

Moreover, the XXXX XXXX XXXX loan does not appear on my other two credit reports ( XXXX  or transunion ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
The charges I am disputing are for {$760.00}, for allegedly necessary repairs and/or refurbishment of an apartment in XXXX that I rented from XX/XX/XXXX through XXXX of XXXX. The bulk of these charges is for replacing a carpet that was about as well worn at the start of my tenancy as at its end. I did not stain or tear or damage it in any way beyond normal wear and tear. Whether it needed replacement or not is a judgment call, but if it did, it did so at the beginng of my tenancy about as much as it did at its end..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: MA

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2025-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX continue to report my student loans with XXXX as active a single account listed on my credit report along side the new servicers XXXX XXXX  XXXX XXXX as another open account making my DTI double of what should only be XXXX. I have advised them that XXXX is no longer an active account but yet they continue to disregard my proof and continue reporting XXXX as an open account which should be closed out. They are not looking into this at all just closing out my dispute reporting inaccurately.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Outdated Addresses from My Credit Report Dear CFPB Representative, I hope you are doing well. I am reaching out to request assistance in having outdated addresses removed from my credit report. These old addresses are no longer associated with me and serve no purpose on my report. Unfortunately, my attempts to resolve this directly with the credit bureaus have been unsuccessful. 

The outdated addresses in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit bureaus are required to maintain accurate and up-to-date information on consumer credit files. Retaining outdated addresses increases the risk of confusion, potential fraud, or identity verification issues. 

I kindly ask for your assistance in ensuring that the credit bureaus update my file accordingly. My current address is showing correctly, I assure you that these old addresses are no longer valid. 

I appreciate your time and help in resolving this matter, and I look forward to your response. Please let me know if any further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address listed on my report, which is XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I requested to close my escrow account so I could pay my own taxes and insurance going back to XXXX of 2024. They told me to write an email requesting that my escrow account be closed and they will take care of it. After sending multiple emails and called the company over 30 times they still have not processed my request. They must give me a run around. Last time I spoke to a supervisor and he told me he would take care of it and would call me back. Of course he never called me back. This company must by making money off my escrow account as I can't find any other reason why they would not close it. Is very frustrating dealing with this company that should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX  Credit Card Dispute for XXXX XXXX XXXX XXXX On XX/XX/XXXX, my cell number and service were transferred to XXXX XXXX  XXXX XXXX terminated my access to the XXXX app once my number was transferred over to XXXX XXXX. My payments were on autopay, I no longer had access XXXX  app to stop my auto pay. When I contacted XXXX and advise them of what happened on XX/XX/year> with XXXX supervisor. He reimbursed the card on file for XXXX payment of {$120.00}, XXXX payment of {$130.00}, XXXX payment of {$130.00} and the XXXX supervisor assured me that the XXXX payment that was pending would not go through. The payment did go through and I then notified my credit card company, and they originally reversed the charges. 

When XXXX sold this account to the XXXX collection company, I send the XXXX collection company the proof in writing and sent it certified mail. Once they received my dispute along with my credit card statements showing that XXXX in fact reimbursed me for payments. The XXXX collection company quickly sent me corresponding letter stating that the account was closed. 

XXXX then sold this account to Credence Resource Manage collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX ) XXXX. I explain to XXXX XXXX XXXX collection company what had happen with the XXXX account. They decided to add the collection to my credit bureau as open collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
TRANSUNION, EQUIFAX AND XXXX XXXX XXXX CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS WHICH I HAVE SENT PREVIOUS PROOF OF THESE ITEMS BEING DUE TO IDENTITY THEFT. TRANSUNION, EQUIFAX AND XXXX XXXX XXXX  CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT AFTER BEING SENT PROOF AND NOT PROVIDING ME WITH ANY WRITTEN NOTIFICATION OR PROOF THAT THIS IS NOT IDENTITY THEFT. I WILL BE ATTACHING : TRANSUNION DELETE LETTER OF FRAUDULENT ACCOUNT. 
MULTIPLE PROOF THAT THE ADDRESS XXXX XXXX HAS HAD FOR THIS ACCOUNT IS FRAUDULENT AND HAS BEEN REMOVED/DELETED FROM ALL DATA FURNISHERS DUE TO FRAUD.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : In late XX/XX/XXXX I took out a {$10000.00} loan with SoFi. My due dates were the XXXX of each month. I ended up paying the loan off in just a few months, and even though all of my payments were on time, SoFi reported a " 30 DAYS PAST DUE '' comment in the Account Rating section of my credit report. However, the monthly reporting on my credit report shows NO late payments reported. 

I am in the process of trying to buy a home, and their erroneous reporting of those XXXX words has caused my credit scores to go down substantially and is putting me in jeopardy of not being approved for my loan. 

I have attached a screenshot from my credit report that they reported on-time payments for the duration of my loan, as well as the six monthly statements proving my credit history. Please make notation that on the XX/XX/XXXX statement there was an amount of {$530.00} in the " Scheduled Principal Payments '' section for the XX/XX/XXXX payment. SoFi had deducted two payments from my account in error. I contacted them and they admitted that the second payment was in fact their error, but that it could be applied to XX/XX/XXXX. Unbeknownst to me, they CANCELLED the auto-draft that was set up and did not tell me it had to be rescheduled. 

The XX/XX/XXXX statement indicates that payment was made on time, but because the auto-draft was cancelled the XX/XX/XXXX statement indicates a Past Due Amount. Rather than continue with the irregular reporting and constant errors, I paid off the loan completely and thought the matter had been closed. It wasn't until I had my reports pulled for my home loan that I noticed what they had done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
The company demanded payment of vehicle one day before payment was due over the phone, dealership was trying to take payment and credit card info. 
Threatened to repossess if I didn't pay it by XXXX XXXX next day or give then in credit card info, was never late with paying them. Huge down payment valid insurance policy On the day of Payment was due.

They restricted my payonline account, wouldn't take my payment over the phone Said I had to come into the dealership and pay in person. Purposely. Repossessed my while on my way to make payment, While at the dealership would not take my payment the day of payment was due. Other item in the vehicle were missing including a tittle to another car. 
While trying to pay for the vehicle They already had it back on there sales floor and already on another test drive whith another person while they were on that test drive in that vehicle they crash and wreckage that car. Total loss Refuse to hand over money I've already spent on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX is reporting me as late/charged off/past due even though my balance with this account is reflecting and showing {$0.00} balance and has been for some time now as it pertains to all 3 of my credit 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 explanation