vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
After reviewing my most recent EXPERIAN credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Experian permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Experian, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611. 
My contact information is listed above. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

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 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
The vehicle is inoperable due to extensive electrical/ electronic issues. Ive taken the vehicle to XXXX separate dealerships, and neither can repair. The last dealership did say they may be able to fix it, but its too expensive for me. Ive contacted Ally financial and they said previously I am not qualified for an extension or any payment assistance. I have decided to surrender the vehicle. Since XXXX, have called to set up the process and each time I speak to someone its like I didnt call the day before. Today, XXXX, I was hung up on. The amount of money Im paying for this vehicle I can not use, and the amount Ive spent for diagnostic has caused me to default on other responsibilities. I just want this car removed so I can rebuild. I believe the dealer, XXXX XXXX XXXX, knew of the issues, but sold this anyway. That will be with another complaint.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my credit score, even after I now have more availability. The credit scores should increase. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX Experian & XXXX responded to my dispute to this public record being reported on my credit report stating it was verified accurate by primary creditor is bankruptcy court. So on XXXX XXXX I wrote us bankruptcy court asking them to verify this information. In which on XXXX is bankruptcy court responded they do not report to the credit bureaus. This is a Violated Of My FCRA 611 ( 15 U.S.C 1681 ) This Information must be Removed!

Attached is my letter along with us Bankruptcy court response

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : DISCOVER BANK ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. Experian is reporting information that belongs to someone else. I am making this CFPB Complaint to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : 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  Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

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 2023-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Our mortgage payments were {$1500.00}, in XXXX 's bill it showed that the new payments would be {$2800.00} is including a {$1400.00} escrow amount. In the month of XXXX, I called the mortgage company and asked why my payments went up so high, representative indicated that property taxes and homeowners ' insurance had gone up and recommended I call the county to confirm the amount. In the beginning of XXXX, I went to the county to confirm that the amount for XXXX is {$5600.00} this would make my payments {$460.00} a month added to the escrow. The homeowner 's insurance is {$2300.00} for the year making my monthly payments of {$190.00} added to the escrow for a total of {$660.00}. My principal amount is {$710.00}, and my interest is {$650.00} so my mortgage payments should be {$2000.00}. I then contacted mortgage company to find out why they were demanding {$40000.00} now, and why are they adding an additional {$8900.00}, adding an additional {$710.00} to my mortgage payment. The representative was able to confirm the charges but wasn't able to provide me the source of the charge, he had me on hold for a while and did say that this were charges that came from corporate, and they wanted their money back. He also said that this was based on something they paid back in XX/XX/XXXX, however he was unable to give me a clear answer, as to what was paid why is it my responsibility to pay. I explained to him that I have no documentation that makes me and wife responsible for the fees, I requested an italicized bill and I also had sent several emails requesting to have my escrow reviewed because the amount was not adding up.

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 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I XXXX XXXX spoke with one of Select Portfolio Servicing employees at the end of XXXX of XXXX. She and I conversed about the plan the company had came up with for me. she offered me a modification of XXXX payments of XXXX beginning XX/XX/XXXX. I accepted the offer verbually and she also said they will send me something to sign in agreement. I have yet to receive that. I accepted because I need a place to continue to stay. Also in my mind I was saying why has the mortgage payment went up so much? I realize I am very much behind on my payments and I have been trying for years to get to this point so I can get back on track. The lady also said my interest rate was going up to XXXX percent. My normal interest rate was XXXX percent. I was really at a lost for words. I said to myself I did not ask to refinance I asked for a modification to get back on track and put all behind payments on the back end like Select Portfolio Servicing has done in the past. It seems like to me I am being discriminated against because I am behind on my mortgage payments and they are trying or is to make the payment very unaffordable for the 6 months. It also seem as though Select Portfolio Servicing want me to lose the home or move out. I am asking Select Portfolio Servicing can you please keep my mortgage at XXXX and please revise this payment plan so that I can afford it. There are repairs that are needed to the home that I will be seeking homeowners assistance programs for help in concerning these repairs or led me where I can get assistance .Select Porfolio Servicing can you please or will help me in this matter. Thanks so much. My name again is XXXX XXXX Account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
After reviewing my most recent EQUIFAX credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, EQUIFAX, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

My contact information is listed above.

Sincerely, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXX  XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXXXXXX XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited a check of XXXX by a gentleman who owed me about XXXX as part of a consent order. 
The check was dated XX/XX/XXXX. 
The gentleman issued the check from his account at Wells Fargo Bank in Georgia and I was informed that when my check was cashed there was enough money in the gentlemen 's account. 
My bank, XXXXXXXX XXXX in Arizona did not accept the deposit and when I called XXXXXXXX XXXX  I was informed by the customer service that I had to deposit the check at the teller of my XXXX XXXX in XXXX XXXX since the check was older than 30 days. I did that on XX/XX/XXXX. 
Apparently the gentleman who wrote the check had by that time overdrawn his account at Wells Fargo and on XX/XX/XXXX I was informed that the check was returned. 
I was upset because of three things. 
1. Non payment of a legal obligation.

2. The fact that XXXX customer service informed me in one call that a check that is older than 30 days had to be presented in person ( I could not find that in any agreement ) 3. The fact that XXXX customer service in a later telephone call inform me that a check gets stale after 3 month ( my understanding from XXXX documentation is that it is 6 months ). 
4. That XXXX charges me XXXX for a uncovered check. 
When XXXX had just processed my deposited check I would not have been out of the XXXX and would not have to pay the XXXX 
I would appreciate if you could tell me if my understanding is correct. I am sure that neither Wells Fargo ( who is known for not always proper behavior ) neither XXXX will give me the full story.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation