vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there XXXX be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place XXXX not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX ( A ) ( XXXX ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX ) XXXX bank acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX * XXXX. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes. 

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXXXXXX 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 2024-03-02 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: NY

Complaint narrative:
I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes. 

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

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 2024-03-02 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV has not provided an original service contract and is Reporting Revolving Accounts And Collections to my SSN including but not limited to XXXX, XXXX and XXXX causing etensive damage in the middle of me closing on a home. This burden will place me and my 3 children without a home thus becoming homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) 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 listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. Last year ( XX/XX/XXXX ), I submitted a complaint that Gateway Mortgage was incorrectly applying my additional XXXX XXXX payment. After filing a complaint with the CFPB and multiple back and forth exchanges with Gateway Mortgage, the problem was resolved. However, This year ( XX/XX/XXXX ), the same exact problem has resurfaced. Again, they are taking the extra amount I give them every month and incorrectly applying it to future interest payments. Instead, they should be applying it to pay down my principle. This is very deceptive and is an attempt to put more money in their own pockets. If you review the history of my Mortgage with Gateway, you'll see that this is not the first time this deception has occurred with Gateway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MD

Complaint narrative:
I called Mohela to get my payments reduced after failing to reach them for months by the time I got a statement from them my bill was already due causing late payments and increased interest. When ask if I could lower my payments. They said they could put the loan in forbearance and I wouldn't be eligible for student loan forgiveness

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
reporting inaccurate infomation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CL Holdings LLC
State: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ Jefferson Capital System ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ Jefferson Capital System ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ Jefferson Capital System ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is regarding my HELOC loan at XXXX XXXX XXXX XXXX XXXX XXXX. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the XXXX feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from 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 explanation
Consumer complaint received 2024-03-02 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: AZ

Complaint narrative:
The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.

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 2024-03-02 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: AZ

Complaint narrative:
The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: AZ

Complaint narrative:
The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.

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