vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
This is my second complaint against this predatory company. XX/XX/XXXX I received a notice that my loans were in forbearance and no payment was due since my XXXX application was still being processed. 

XX/XX/XXXX I received a notice that a payment is now due XX/XX/XXXX. This is conflicting information and predatory! In my mind I have no payment due based on the information they provided then the next week I have almost XXXX dollars due! And you tell me 6 days prior? Not to mention, the amount is never the same, it changes drastically each month. 

I called Mohela on XX/XX/XXXX to sort this out and it was placed on hold for 2 hours! Then, their system ended the call in the middle of my holding. So, I called back and this time I opted for a callback. I made sure my phone volume was high and that my phone was not on vibrate in anticipation for this call.

10 minutes went by, and I see I have voicemail, no missed call just a voicemail from Mohela saying they tried calling and couldn't reach me! Funny, I was on hold for 2 hours and no one answered but " called '' me back within 10 minutes. 

This is frustrating, they are expecting a payment but are not reachable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

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 2024-11-20 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 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 2024-11-20 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 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 2024-11-20 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: GA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20 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: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Its incredibly concerning to see such an obvious and harmful error on my credit report. The account in question is either not mine or is completely inaccurate, and its unfairly dragging down my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-11-20 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: FL

Complaint narrative:
XX/XX/year> Re : Removal of " INACCURATE '' Items from Credit Report ( More than 30 days have passed ) On XX/XX/year>, I sent you a request to reinvestigate " INACCURATE '' items which were listed in my credit history report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act requires that you complete your reinvestigation and provide results within 30 days. It has now been more than 30 days. By law, due to the expiration of the procedures used to determine the accuracy and completeness of the disputed information, you are required to delete the disputed items within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
XX/XX/year> Re : Removal of " INACCURATE '' Items from Credit Report ( More than 30 days have passed ) On XX/XX/year>, I sent you a request to reinvestigate " INACCURATE '' items which were listed in my credit history report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act requires that you complete your reinvestigation and provide results within 30 days. It has now been more than 30 days. By law, due to the expiration of the procedures used to determine the accuracy and completeness of the disputed information, you are required to delete the disputed items within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-11-21 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: GA

Complaint narrative:
KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-20 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: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> a zelle transaction ( {$500.00} ) was initiated and taken from my chase account by a fraudulent person with an unknown persons account. They succeeded in mirroring my phone enough to manipulate my wife and my accounts. In addition to Zelle, a XXXX gift card ( for {$500.00} that was said to be frozen and locked ), was also taken by visually seeing the card through my camera. An additional {$780.00} was instantly transferred from XXXX to the unknown person however, XXXX seems to have been able to retrieve those funds. 
I have a phone number that the scammers can be contacted at, audio of them telling me they took my money, and the name used for receiving transactions. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Synovus Bank
State: NC

Complaint narrative:
I have sent the companies a letter requesting to opt out. Per XXXX5 USC 6802 of all an any authorizations i the consumer may have given written nonwritten verbal or non verbal consent which i have not. 

XXXX is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Privacy act 1974 states The Privacy Act of 1974 is a federal law that protects individuals ' privacy by establishing a code of " fair information practices '' : Protects individuals The Privacy Act gives individuals the right to : Request their records Request changes to inaccurate, irrelevant, untimely, or incomplete records Be protected from unwarranted invasions of privacy Governs federal agencies The Privacy Act requires federal agencies to : Comply with statutory norms for collecting, maintaining, accessing, using, and disseminating records Publish notice of modifications to or the creation of systems of records in the Federal Register Maintain accurate, current records Notify the public of all systems of records it creates by publishing System of Records Notices ( SORNs ) in the Federal Register The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is not being fair and reporting inaccurate information on my consumer report. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am writing to you because after countless attempts made I have not been able to speak with the correct person within Freedom Mortgage to address the overage that was paid to Freedom Mortgage when I paid in full on XX/XX/year> that has not been sent back to me. 

I received a check for my escrow refund but not for the principle paid for XXXX, the 11 days of interest that was paid for XX/XX/year> and the three days of interest that was overpaid for XXXX. The payoff was good through XX/XX/XXXX and the full payoff in the amount of XXXX was wired XX/XX/year> and the same day I received confirmation my mortgage been paid in full. 

I am able to provide proof of payoff on XX/XX/year> and the payoff letter good through XX/XX/year> if I need to showing {$180000.00}.

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 2024-11-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Items I am writing to formally request the removal of certain items from my credit report and to address inaccuracies related to My personal information is as follows : PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX NEVER LIVED IN ALABAMA Furthermore, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens.

PLEASE REMOVE OFF MY CREDIT ASAP!!! 

PLEASE REMOVE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Please conduct a comprehensive investigation and update my credit report accordingly, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Items I am writing to formally request the removal of certain items from my credit report and to address inaccuracies related to My personal information is as follows : PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX NEVER LIVED IN ALABAMA Furthermore, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens.

PLEASE REMOVE OFF MY CREDIT ASAP!!! 

PLEASE REMOVE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Please conduct a comprehensive investigation and update my credit report accordingly, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
OppLoans is deceptive and has misleading Trade Practices with XXXX ( XXXXXXXX XXXX  ) out of XXXX where there is no cap on interest. In XXXX, we contend that XXXX XXXX is the true lender on the loans ; that the loan agreements are governed by XXXX and XXXX law. The interest rate is high everywhere based on the market, according to OppFi. And in XXXX and Illinois, its also illegal. Here the maximum rate caps out at XXXX % and XXXX % in XXXX, its principal place of business of Opp Loans is in XXXXXXXX XXXX 
Yet Opportunity Financial continues loaning money at XXXX % APR, both in states where its legal and in states where its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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 have been a victim of identity theft. There is a fraudulent Child Support account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is CHILDSUPPORT - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma states they offer a loan guarantee. They will pay you {$50.00} if you don't get approved. They refused to pay me, twice. The second time they lied and told me I never applied through their website which was a blatant lie. I believe they are offering this {$50.00} guarantee fraudulently.

Company response to consumer: Closed with monetary relief