vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I submitted an application to NetCredit for a line of credit, mind you the first time I applied I was approved for {$2700.00} however, it was later that NetCredit decided not to allow me to have the the line of credit by denying me. 

I later found out from a second email sent to me that because I applied for a loan through a third party this was their reasoning to deny me. Mind you, NetCredit had already denied me so why were they ( after denying me ) so worried that I applied with a third-party website unless they are connected to that third-party website? 

Then they state that their decision was based in whole or in part on information obtained from an affiliate or an outside source other than a consumer reporting agency. 

Afterward, I discovered that they ( NetCredit ) are the bank XXXX XXXX XXXX NetCredit that denied me. Instead of telling me about them being the bank, I had to find this information alone. I called the NetCredit phone number XXXX and when I called the bank XXXX, I found out they are the same and that NetCredit allow this bank to give them information concerning me without obtaining this information from the credit bureaus. To me, I have been set up to fail. 

However, before finding out this information that they are the bank, I questioned the loan officer whom I spoke with at NetCredit, I explained to her that NetCredit said originally that I was denied credit because I applied for a loan through a third-party website but I applied for a loan through a third party AFTER I was denied first through NetCredit. My question is why does what I do after applying with a third party have anything to do with NetCredit unless this is rigged after the fact? 

I feel set up by NetCredit. 

So at that time when I called NetCredit, I asked them about all of this but they couldn't give me a real answer. Why did NetCredit rely on some third party to give them information concerning me instead of the credit bureau? 

I told the loan officer, I wouldn't have applied for the line of credit if I didn't need the money. I just had XXXX XXXX  and I needed the money. Crooks can call and get money, real people like myself who truly need the money can't obtain credit or money especially when you need it. 

I work for a living and I don't believe in borrowing, I usually work hard to obtain what I need without asking companies like NetCredit. 

You can rest assured I will never again apply for any credit with NetCredit. 

By the way, I tried to sign-in again to NetCredit and I placed a copy of what they did afterward at the very end. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I received an alert from XXXX that I have a hard pull inquiry at XXXX on XX/XX/year> from Flagstar Bank for a consumer loan. I did not request or reach out to receive any service from them. I immediately put on a credit freeze to all XXXX bureaus. Called Flagstar bank and spoke to fraud department XX/XX/year> and they were not able to pull up any application from my name or social security.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There's an added fraud alert on my file, I didn't initiate on adding any fraud alerts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had credit cards with Chase for a long time, but all of a sudden, they reduced my total credit limit by more than $ XXXX and tanked my credit score with their action. I have always been on time in paying more than the minimum balances. In my more than 2 decades of credit history, I have never been late in payments or anything. I believe they did not have a justification to devastate and ruin my credit score with their action especially I have ALWAYS been on time with the payments and they have made tons of money from the very high interest rates. They have benefited handsomely from my use of the credit cards but repaid with ruining my credit score. I have contacted them and they refused to do anything and literally said this is what it is. They said it is impossible for them to lower the interest rates, but they took liberty to lower my credit limit overnight and ruin my financial reputation. I strongly believe this is a not fair action for Chase to immensely benefit from the astronomical interest rates but at the same time ruin and tank the customers ' credit scores and standing. With their action, my credit score dropped over night by tens of points and tanked from fair to poor, and I insist that I was not late on any payment and I have always paid more than the min required payments. I believe they intentionally harmed my financial reputation and standing, and worse didn't care to fix their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
Under 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX 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, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX # : XXXX has violated my rights.

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 an 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 information is inaccurate. 


I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to 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 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 2024-08-07 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: 21ST MORTGAGE CORP.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Subject : Dispute of Repossession Account Dear 21st Mortgage Corporation, I am writing to formally dispute the recent repossession of my account with [ Creditor 's Name/Account Number ] and request a thorough review of this matter. I am concerned that there may have been an error or misunderstanding regarding the repossession. 

Account Information : 21st Mortgage Corporation Account Number : XXXX Original Loan/Lease Date : XX/XX/XXXX Vehicle/Item Repossessed : XX/XX/XXXX Dispute Details : I believe the repossession was unjustified due to the following reasons : I have attached relevant documents to support my dispute, including [ copies of payment receipts, correspondence with the creditor, and any other pertinent information ]. 

In accordance with the Fair Debt Collection Practices Act and other relevant regulations, I request that you : Review and Correct : Conduct a thorough review of the account and repossession details, and correct any inaccuracies. 
Provide Documentation : Supply me with any documents or evidence related to the repossession. 
XXXX XXXX Activities : Halt any collection activities related to this account until this dispute is resolved. 
Update Credit Reports : Notify the credit reporting agencies to update or correct any erroneous information related to this repossession. 
Please acknowledge receipt of this letter and inform me of the next steps in this dispute process. I expect a written response within [ reasonable time frame, e.g., 30 days ] as per the guidelines established by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I am a full class member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

My loans were consolidated from XXXX in order to qualify for XXXX and the servicer of those consolidated loans was XXXX XXXX. I made monthly payments to XXXX XXXX beginning XX/XX/XXXX until XX/XX/XXXX when payments were haulted for XXXX. 

XXXX XXXX went out of business and Mohela became the servicer of my consolidated loans. During this time, the XXXX  requirements were changed and I became eligible for loan discharge via the XXXX program. My loans were XXXX and even though Mohela was my service provider, I never made any payments to them because of the discharge and the covid repayment pause. 

Regardless of the discharge, I am due a full refund for payments made towards these loans as stated in the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX had no issue giving me a refund within a couple months of the court case. Mohela, on the other hand, has done absolutely nothing and we are well past a year now. 

I am making a very simple request of Mohela. They are the servicer of my loans and I need them to go through my loan history ( specifically XXXX XXXX payments as they are no longer in business ) and go through the process of issuing me a refund for all payments made. This isn't XXXX XXXX I have gathered all dates and payments made to XXXX XXXX from my bank statements and it took MAYBE XXXX minutes. 

Mohela is dragging their feet with this case and have been taken back to court recently. According to the latest lawsuit information ... If you have Direct Consolidation Loan ( XXXX ) that include your XXXXrelated debt and you have not yet received a discharge, then you should expect to see those loan balance ( s ) discharged in full by XX/XX/XXXX. By that date, the Department is also supposed to send you a refund for all amounts you paid on your most recent consolidation loan ( XXXX ). 

I am sure they will miss this deadline too. Any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Please accept this letter as my formal request to investigate why my Lender, Mr. Cooper refuses to communicate any information on my mortgage account Mr. Cooper received, accepted and applied HAF funds from the XXXX  Department of Community Affairs of {$50000.00} towards my delinquent balance in XXXX. Mr. Cooper agreed to provide a loan modification of the remaining balance. The response from my first CFPB complaint is the letter that states Mr. Cooper will agree to modify the remaining balance. To date, over 6 months later, Mr. Cooper has : Not provided a proposed loan modification for the remaining balance due on my delinquent balance.

Refuses to provide me any verbal or written communication on the status of my loan.

Refuses to answer any of my questions.

Refered me to their foreclosure attorney for any questions about my loan.

Their assigned foreclosure attorney refuses to answer any questions on how to satisfy the remaining balance due on my loan as this is Mr. Coopers responsibility, who refuses to speak with me about the matter.

My account is not in an active bankruptcy, nor am I aware why my file has been referred to a foreclosure attorney when the Lender has agreed to offer me a proposed modification option when accepting the HAF mortgage assistance funds.

To make matters worse, Mr. Cooper has breached my personal information to another borrower in another State. I received credible information for this borrower that they received my loan information along with notes from my Lenders file.

I am requesting an investigation as to why Mr. Cooper will not answer or provide me with any information and loss mitigation options to bring my account current. Mr. Cooper continues to operate in negligence and strategically setting me up to not afford my mortgage payments by refusing to communicate with me about my file. Mr. Cooper has a fiduciary responsibility to send me notices, a mortgage statement, and offer me a loss mitigation option for my FHA loan. I need to know why are they ignoring me? I am concerned my balance is now too high for me to receive a loss mitigation option when the lender has simply ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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 XXXX Account # XXXX from XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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 XXXX  Account # XXXX from XXXX XXXX XXXX has violated my rights.

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

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 2024-08-07 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXL Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry 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 non-monetary relief