vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX AUTO FIN XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPROVE LEND XXXX XXXX CO XXXX CRB/UPSTART XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN 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 2024-06-04 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-04 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


10. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-06-04 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-04 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: FL

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB against XXXX XXXX XXXX, XXXX in regards to misuse of my credit report ( Complaint ID : XXXX - XXXX ). On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> stating " we were unable to locate a credit file in our database with the identification information you provided '' On XX/XX/year> I called the CFPB and spoke with an agent who advised and confirmed that all identification information provided in the complaint is sent over to the recipient of the complaint. This identification information in the complaint includes my Full Name, Date of Birth, Social Security Number and my most recent and current address. XXXX 's reporting of negative information has caused immense mental and emotional distress as well as being denied credit, which has negatively and greatly impacted my life due to negative items such as late payments, collections etc, being reported by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
Mohela received two payments that they have not credited to my account. They are sending me delinquency notices, and reporting my account as delinquent to XXXX. My bank has reached out to them to verify that they have received both of these payments, and Mohela is refusing to speak to my bank 's representative. I have uploaded proof to the Mohela website on five separate occasions, and calling to speak to a representative has also not solved my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I applied for a Solo Funds short-term loan in the amount of {$330.00}. I received the full amount on that day and I immediately withdrew {$150.00} from my solo wallet account to my debit card. A couple of days later I tried to withdraw the rest of the {$150.00} amount and the app would not let me due to a " debit card verification issue ''. I reached out to Solo Funds because I was going to have to repay my loan to avoid any collections however, I still could not access my full loan amount. I repaid the original loan on XX/XX/year> and noticed that the {$150.00} was completely missing from my solo wallet. I have reached out to the company multiple times requesting my money back and they reply that they are still working on the issue and that they had a merger with another bank that is causing them this issue. I just want a refund of the money that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-04 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: GA

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: VA

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. 

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 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 15 U.S.C 1681 Section 602 A. state 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 an account without my written permission.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make consumer report obtaining any of the following items of information. Any adverse item information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I reached 80 % LTV and PenFed did not want to cancel my PMI without getting a current estimate. This is not clearly written on their mortgage website, being very vague of the requirements. When I asked for clarification, after much back and forth starting on XX/XX/2024, they then referred to XXXX XXXX XXXX  policies. I decided to pay down my loan to 78 % to have thhe PMI automatically removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on their webpage also unclearly states that " the date the principal balance of the mortgage loan is first scheduled to reach 78 % of the original value of the property '' ( p. 194 ). This is confusing in two ways. First, it could be read that when it is first scheduled to reach 78 % of the original value of the property ( or the loan of {$280000.00} in my case ; 78 % = {$210000.00} ), the PMI would be automatically removed. Second, it could be read that when the mortgage loan is first schedule to reach 78 % of the original value ( the house was originally valued at {$310000.00} ; 78 % = {$240000.00} ), the PMI would be automatically removed. The CFPB website also makes this policy unclear XXXX XXXX XXXX XXXX XXXX XXXX ). These sorts of policies should be clearly stated on the mortgage servicer ( PenFed CU ) website and should be easily communicated to consumers.

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 2024-06-04 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was trying to buy a house and I realized I have a few damages on my credit report.According to the 15 USC 1681 law, there should not be any damages on my report, is a defamation on my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional debt Mediat is trying to collect a debt in the amount of {$9900.00} that is claimed to be owed by me from a previous residence during the covid-19 pandemic. During that time late fees were waived and tenants were given the options to move out and be released from their rental contract without penalties. On XX/XX/scrub>XXXX XXXX XXXX my information was sold to this company and they constantly calls me harassing me to pay. There was no debt when I moved out. I was also protected under the pandemic housing protection in the state of Florida during the pandemic and this debt is a result of late fees and charges I am not aware of. This has becoming very difficult for me moving forward has it sits on my credit and I am not able to rent any property due to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage with Wells Fargo Bank. I switched my home insurance to XXXX on XX/XX/XXXX and it was paid out of my escrow account. I just received a letter that the bank had paid another home insurance company {$4600.00} on XX/XX/XXXX and added that to my mortgage since my escrow is now depleted. This other company was not authorized by me, I never signed anything giving them permission to be my home insurance company. 
The bank now tells me its on me to collect the money back from the other insurance company. 
I am saying its fraud they stole my money from my account and payed a bill without my authority. 
I ask the bank to please put my money back they made the error not me, they should have seen I had just paid for insurance on XX/XX/XXXX why would I buy it again on XX/XX/XXXX at double the price. Plus my original insurance is effective to XX/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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are XXXX late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-04 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: MA

Complaint narrative:
I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are XXXX late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: UT

Complaint narrative:
Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, UT XXXX Email : XXXX Phone : XXXX Credit Bureaus Involved : XXXX, Experian, XXXX Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against XXXX, Experian, and XXXX. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ).

Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ).

Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ). 

Relevant CFPB Authority : The XXXX XXXX XXXX Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ). 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT 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