vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!

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 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my mortgage company, New Rez, regarding what I perceive to be deliberate stalling tactics in the release of Private Mortgage Insurance ( PMI ) from my mortgage. My efforts to resolve this matter directly with New Rez have been met with frustration and concerning conduct that suggests potential misrepresentation and unethical practices. 

I initiated the PMI release process in late XXXX XXXX XXXX  and have made numerous attempts to communicate with New Rez. They insist on conducting a home evaluation, for which they demand a fee of {$190.00}. I find this requirement to be baseless, especially considering that the XXXX XXXX XXXX XXXX has already established the Assessed and Taxable Value for the 2024 year at {$350000.00}. The equity in the property significantly exceeds the remaining mortgage balance of {$160000.00}. 

To add to these issues, upon thorough investigation and consultation with all four tenants residing on the property, it has become abundantly clear that no broker had been denied access to the interior of the home. All three tenants unequivocally deny engaging with any broker or providing access to the residence. Upon contacting NewRez on XX/XX/XXXX, I asked for the specifics in regards to the alleged broker visit and she said she did not have access to names or dates but I could submit my request through their website. Which I did, and had zero response up to today. 

Several additional concerns compound this situation : The property is a rental, and had New Rez contacted me beforehand, they would have been aware of this fact. 

The unannounced visit is not only unprofessional but also violates basic principles of privacy and property rights. Landlords are required to give legal notice before entering a residence, and mortgage companies should adhere to the same standard. 
Expecting individuals to be available during working hours for unannounced visits is impractical and unrealistic. 

To compound the matter, New Rez took the liberty of returning the check without engaging in any prior phone conversation. Now, they insist on restarting the entire process, causing further unnecessary delays and inconvenience. 

This alarming combination of potential misrepresentation, unethical practices, and unprofessional conduct raises serious questions about New Rez 's integrity and adherence to industry standards. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these allegations and intervene to ensure fair and ethical practices within the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
I currently ran my XXXX credit reports XX/XX/year> and noticed someone has been using my information. I am devistated to find out i have unauthorized inquiries and accounts that do not belong to me, As i now become more aware of the importancy of credit I need someone to please help me resolve this problem Please see attached files. 

COLLECTIONS- 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


I saw the adresses linked to those accounts and I have never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Hi! I got a report from XXXX XXXX that my Mohela account is impacting my score. It appears that I have an unpaid amount, however my account is still transitioning. I've tried to log-in to pay that amount, however I keep getting the same landing page that is " your loan is transitioning! '' I am capable of paying the amount owed, however given no mode to do so. As such, it is impacting my credit score which impacts literally everything, from my ability to rent to background checks for work. I now will have to dispute this with XXXX, XXXX, XXXX and that could take years to remove from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAVE FRAUDELANT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: WI

Complaint narrative:
I have been contacting MOHELA and FSA since XXXX of XXXX trying to get payment counts, date I reached eligibility for PSLF and IDR forgiveness, and when I will receive a refund. I have several tickets open with MOHELA and FSA since XX/XX/XXXX but no one has provided this information. Ive only received XXXX call back from a supervisor in XX/XX/XXXX who stated another ticket has been opened for review. Still no response from MOHELA or FSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TN

Complaint narrative:
I am filing this complaint in regard to EXPERIAN. I did not receive any written documents within 5 days after the reinvestigation was complete regarding the accounts that were recently in dispute. This is a violation of 15 USC 1681i ( 6 ) ( b ) ( 3 ). I want the accounts removed. The accounts in question are still inaccurate. I want these accounts removed.

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 2024-03-09 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: PA

Complaint narrative:
Collection Agency Name : XXXX  XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Agency Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency Name : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: PA

Complaint narrative:
Collection Agency Name : Open XXXX  Agency Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncy Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Agency XXXX : XXXX, Collection Agency XXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a XXXX XXXX am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX XXXX  XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 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 2024-03-10 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: Bright Capital Inc
State: IL

Complaint narrative:
I notice a account on my credit report that i don't recognize nor done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the 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 non-monetary relief
Consumer complaint received 2024-03-09 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 


XXXX XXXX XXXX XXXX XXXX XXXX  - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.

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 2024-03-10 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:
I found numerous account on my credit report that were not open by me, please remove the fraudulent account from my credit report as soon as posssible

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 2024-03-09 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: MI

Complaint narrative:
Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to XXXX, Equifax, XXXX and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the rights to privacy. 
15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX XXXXXXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into XXXX dealership to XXXX XXXX XXXX car on the date above and my credit was ran twice. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately XXXX reinserted. 

FCRA Section.

611 Part ( A ) ( 1 ). No valid response within 30 days XXXX, Equifax, XXXX and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii )XXXX XXXX XXXX late payment reinsertion XXXX XXXX Bank -Payments XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief