vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, you are reporting inaccurate information on my consumer report. Per section 15 usc 1681g, you have not provided me with adequately information and thus is a violation or my rights. This account is also reporting as a charge off/collection but is still reporting a balance. That is inaccurate and I demand this entire account be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: MA

Complaint narrative:
I am trying to have my PMI removed from my loan since the value of my house has almost doubled from the price I paid. I have never been late early if anything. 
They are sending a letter trying explain that I can not have it 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 2024-07-01 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:
I have submitted multiple disputes regarding this unauthorized and fraudulent inquiry ( XXXX XXXX XX/XX/year> ) that DO NOT belong to me and it is still reporting on my credit report. I have also submitted multiple FTC reports regarding the unauthorized and fraudulent inquiry that DO NOT belong to me. Experian have refused to work on disputes even though they are required by law to do so. 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 non-monetary relief
Consumer complaint received 2024-07-01 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: MOHELA
State: NV

Complaint narrative:
I am filing again a complaint against XXXX for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is MOHELA XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) XXXX closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by XXXX continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : XXXX failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : XXXX did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have XXXX take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to XXXX ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate 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 2024-07-01 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing my consumer report and noticed frivolous accounts and inquiries that do not belong to me

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I see a collection on my credit report for {$150.00} from Credence Resource Mana. I am a victim of identity theft and this debt is not mine. I need this deleted from my credit report immediately. I have included my FTC Identity Theft report which list Credence Resource Mana.Thanks for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
We received a letter in XXXX of XXXX that Fay Servicing was our new servicer for our mortgage which was XXXX XXXX XXXX. We had been with XXXX XXXX XXXX for years and we were pretty close to paying off our mortgage. Once XXXX took over the mortgage, they started demanding the full amount of more than the loan was ever for. We purchased our home in XXXX and started payments around XXXX and had never refinanced our mortgage or anything. The original loan was only XXXX over XXXX  years ago and we have made payments on our mortgage and they were claiming XXXX! That means we would have NEVER made a payment on our home in XXXX  years. Doesn't make sense. We ended up in bankruptcy a few times off and on since XXXX XXXX and are currently in bankruptcy. We have only been with Fay since XXXX and they have already tried to foreclose on our home 4 times. They are always charging excessive corporate advance fees ( which I do not know what that even is ) and I don't believe payments have been applied correctly. We received assistance from the housing authority last year and they applied XXXX to interest. They also placed hazard and flood insurance on our home in extreme amounts. I have spent days and weeks trying to contact who exactly XXXX Mortgage and get copies that XXXX XXXX XXXX sold the mortgage. Fay 's monthly statements are weird because they all have something a little different about them and they are even missing almost a year 's worth of statements on our online portal. They also do not show payment history or transactions. I have requested insurance information, payment history, and proof of the mortgage asking them to be the servicer. Some of the documents mention a deed of trust and they do not have a deed of trust. I have only attached just a few of the documents. I can send more if needed but wasn't sure how many files it would accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: MD

Complaint narrative:
I was reviewing my consumer report and noticed some inaccuracies.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing again a complaint against TransUnion for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is XXXX XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) TransUnion closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by TransUnion continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : TransUnion failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : TransUnion did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have TransUnion take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to TransUnion ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.

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 2024-07-01 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Call Experian at XXXX XXXX XXXX on XX/XX/2024 and talked to XXXX, I told her that I had some unauthorized inquiries on my credit report, and I already contacted the original creditors. I was never asked, what Inquires, I was trying to dispute. I basically got denied access to my concerns over the phone. Then I called back and talked to XXXX at XXXX XXXX XXXX  customer service rep. I told her about unauthorized inquires on my report and she started to get slick at the mouth when I ask her name, she said XXXX " XXXX  '' unprofessional customer service. Then she finally transferred me over. Talked to XXXX, I told him about having unauthorize charges. He going to automatically say " Do you know, why you would have those charges? '' Once again, he never asked, what inquires I was talking about. I thought I had rights through FCRA to bring up concerns about unauthorized inquires, that I have no knowledge of. I see that you have to know your laws when dealing with Experian because they try to do deceptive the tactics and this can cause harm to me in the long-run, getting denied over the phone.

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 2024-07-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST INVESTORS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FIRST INVESTORS SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INVESTORS SERVICES XX/XX/XXXX PALMERS AIRPORT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIRST INVESTORS SERVICING XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not familiar with this company I have been in XXXX where my identity was compromised neither did I authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I applied for an apartment and paid a {$55.00} application fee online. I received a denial email the next day. A few months later I received an email about a {$150.00} move out fee. I explained to them I was denied and never moved in. They sent it to a collection agency and they won't stop calling and emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have reason to believe that there are discrepancies in how my voluntary repossession was handled by Nissan Motor Acceptance Corp. during my illness. They are reporting a balance of {$8100.00} on my credit reports and this inaccurate information is damaging my credit. Via email I would like to receive copies of the following documents for my lawyer to review : 1. retail installment contract ( all copies ) 2. All copies of correspondence from NMAC regarding the repossession 3. Copy of auction notice with date and location 4. Proof of delivery of the auction notice 5. Sale amount 6. Letter confirming the deficiency balance 7. Computation of vehicle value at time of auction 8, Disclosure as to whether auction was a public or private sale 9. Accounting history of all payments received by Nissan Motor Acceptance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NC

Complaint narrative:
I am in utter disbelief. Just when I thought your company couldn't be any more disappointing, every day you surprise me. I haven't gotten a response initially on the first time I reached out regarding these wrong information on my credit report and who's to take responsibility? I feel neglected and unimportant and it feels you do not care about any of your consumers or their rights to what is being reported on their credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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:
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.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
In XX/XX/2024, I disputed an account from the National Credit Systems through XXXX. I provided them with 15 U.S.C 1681. On XX/XX/2024, the account came back as verified. According to 15 U.S.C 1681, the information on my credit report has to be accurate. Ive never done business nor signed any contract with this company. This account is affecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
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.

15 U.S.C 1681 section 602 A. States 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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 

These are the inquiries which should be off from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief