vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/2023 by XXXX XXXX XXXX. 
Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/2023 Creditor/Company Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with XXXX XXXX XXXXXXXX XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. 
I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
See document attached

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 2024-01-19 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-19 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: DC

Complaint narrative:
False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) XXXX reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING  reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXXXXXX XXXX XXXX, and the Federal Trade Commission. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion for the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). My dispute, sent on XX/XX/, requested an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect names and addresses listed on my credit report. To assist in verifying my identity, I enclosed a copy of my photo ID, social security card, and a recent bill reflecting my current address. This dispute was sent via USPS certified mail with tracking number # XXXX. However, I received a response from TransUnion dated XXXX stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response indicates a failure on TransUnion 's part to recognize a dispute initiated by the consumer, as mandated by the FCRA. The Act explicitly states that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am providing copies of my dispute letter, USPS certified mail proof of delivery, and TransUnion 's response as proof of my attempts to rectify the inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 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:
On XX/XX/XXXX via certified mail tracking # ( XXXX ), I sent Experian a letter disputing unauthorized accounts and info on my file, XXXX  XXXX Employees Credit Union ( Account No. XXXX ) as well as requesting documentation of my consent under FCRA Section 609. Experian did not fulfill these obligations. In addition, on XX/XX/XXXX I filed an identity theft report and claim with Experian per FCRA Section 605B. As you know, the FCRA requires bureaus to complete identity theft investigations and remove any fraudulent items from files within 5 business days of receiving a report under Section 605B ( a ) ( 1 ) and Section 605B ( d ). It has now been over 30 days since filing, yet Experian has failed to remedy the ID theft as federal law mandates under 15 U.S.C. 1681c-1. I believe they are in willful noncompliance with these consumer protection statutes. I urge the CFPB to investigate and compel Experian 's full correction of these matters, including immediate deletion of unauthorized personal details as prescribed by law. Justice demands no further violation of consumer rights and prompt resolution of ID theft damages. Thank you for enforcing consumers ' rights to privacy, consent and prompt fraud resolution. I stand available to provide support for your inquiry. Regards, 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. 

They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help 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 non-monetary relief
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony XXXX credit card sent a negative balance to collections. I had paid off the card in XXXX of XXXX  and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my XXXX  husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of XXXX  and again in XXXX of XXXX  I paid off nearly every single debt. My score was XXXX and it has only risen 20 points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in XXXX  financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?

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 2024-01-19 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: OH

Complaint narrative:
Their is incorrect personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Their is incorrect personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: DISCOVER BANK
State: PR

Complaint narrative:
I previously submitted a dispute for the charge off account for the Discover Financial Services credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been advised to give EXPERIAN XXXX last chance to cure. I'm a FEDERAL PROTECTED consumer and federal laws have been broken. We have been dealing with this since XXXX. I been patient through this process and I been given the run around. So I want to be clear I do not want we still working on this. I do not want a simple its been verified, or this is a duplicate. I have to ask over and over because the items have not been presented. I do not want payments XXXX stolen from someone! To be clear I have not been given the wet signature contract between ME and XXXX stating I will pay alleged debt, or me given written instruction to furnish ANYTHING on my consumer report. I will have the CFPB send this to the FTC! Also on top of the items above I asked for. I also asked for the license to collect a debt in Florida, the license number and the date. Also the name on the license. The following federal laws have been broken. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also EXPERIAN have late payments, which VIOLATES my federal protected rights 15 USC 1681a2ai. Also 15 USC 1692g. So to be clear XXXX  AND EXPERIAN have not presented me said items, but yet continues to furnish said negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 

XXXX- # XXXX Opened- XX/XX/2020 Chargoff 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 2024-01-19 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac scheduled a foreclosure sale date while I have a complete loan modification package pending and there is a Veterans moratorium stopping all VA foreclosures. Reg X requires a servicer to not schedule a sale date while a complete package or facially complete package is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX I called Mohela to request a refund of all my payments done during the covid relief period. I have on my records I did XXXX payments of {$99.00} to Mohela and XXXX payments of {$99.00} to XXXX. They were only able to see payments done to Mohela. I was told they would further investigate but nothing happened. I requested my payment history and when received it didn't included the XXXX payments to XXXX. 

I messaged them directly on Mohela website on XX/XX/XXXX regarding the missing records, they never replied. 

I called on XX/XX/XXXX and they said they already requested the refund, that they can't give any other updates and I can just wait for the refund. They provided me XXXX transaction id numbers for their refunds issued on XX/XX/XXXX, but didn't explained what those were or disclosed the refunds amounts. Still, no information from my XXXX records. In the meantime I receive XXXX refunds of {$99.00} each ( total {$190.00} ). 

I called on XX/XX/XXXX and was told to wait, that payments are still in process, nothing more. 

I called on XX/XX/XXXX and they dont ' have any access to my payment history before I requested the refund. The only evidence is my payment receipts and emails. The agent transferred me to a supervisor to leave a message and be called back in XXXX hours, but the supervisor didn't returned the call. 

I called the Department of Treasury on XX/XX/XXXX and they can see Mohela sent a paper check to me to refund XXXX payments of {$99.00} ( total {$890.00} ) on XX/XX/XXXX, as they sent a deposit on XX/XX/XXXX but my account was closed so the check was returned to the sender. 

I have requested my payment history several times and they don't provide the full records. I have letters and emails from XXXX and Mohela that state all XXXX records were to be transferred to Mohela, so they should have those records and are just not researching them. Is outrageous they deleted all my payment history without notice, no email, no letter, and never found my XXXX payments done to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief