vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
those hard inquiries are fraudulent and I don't recognize : From XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
those hard inquiries are fraudulent and I don't recognize : From Experian XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-05-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Act : XXXX ( XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-15 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. 

These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I asked yall back in XXXX to remove this account. I have sent the dispute letters and court documents to you and the credit bureaus, from the court of law that States that this is a Error being reported on my credit report regarding, this company Pentagon Federal account # XXXX Im not responsible for this and it has been filed with a bankruptcy and has been dismissed in court and without prejudice.

This account has been removed from the owner 's credit profiles. also needs to be deleted completely now!

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 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Rushmore debited an unauthorized payment in the amount of {$2200.00} from my bank account while I had a pending loss mitigation application. I escalated this issue with Rushmore who advised that they did not debit the payment. I am attaching proof of said debit hereto. A few days after my escalation, the payment has been returned to my bank account. This withdrawal almost completed depleted the funds in my account resulting in potential fees from my bank.

Additionally, Rushmore violated RESPA by failing to provide me with a letter stating that my application was complete within 5 business days of my final submission. I was advised that the application was marked complete on XX/XX/year> but I have still not received a letter stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report.

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report.

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning this account : XXXX XXXX XXXX XXXX 

The respective company has acknowledged this errors and has committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the account.

I am requesting a comprehensive investigation into this account and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.

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 2024-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I made a purchase using the Affirm account. I made my automatic payments on time. XX/XX/XXXX a final payment was sent to Affirm. On XX/XX/XXXX Affirm withdrew an additional payment from my bank account. On XX/XX/XXXX Affirm processed the payoff payment sent on the XXXX. I called Affirm on XX/XX/XXXX, XXXX, and XXXX, XXXX seeking information on the refund of the overpayment. I was told a refund could take up to 10 days to process. On each of those calls I was told the refund would be processed. On XX/XX/XXXX I asked to speak to a supervisor. The supervisor apologized for the delay, said he would expedite the refund for me. On XX/XX/XXXX I had not received the refund so I called again. I was sent an email stating the refund was being processed. As of XX/XX/XXXX I have not received the overpayment refund. I have called XXXX additional times for an update and a tracking number and no one can provide any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone filed for unemployment benefits under my account and then the funds were transferred from my XXXX XXXX  card to an account that is not mine. At the time this took place I was working and therefor not filing for XXXX for a long while. Once I needed to certify for benefits I discovered the fraud ; I found all these certifications and transfers that I did not make. XXXX told me to contact the bank since they are the institute that transferred the funds out of my XXXX debit and to an unknown account. I contacted Bank of America and reported the fraud. They were not helpful and claimed they couldn't tell me where the money was transferred. I filed a fraud complaint outlining all the dates and amounts along with screen shots of my bank account that is linked to my XXXX card, showing that I did not receive any deposits. Bank of America declined my request to have the fraud resolved/ reimbursed without explanation. I appealed and was a agin denied without explanation.

The frauds took place XX/XX/XXXX - XX/XX/XXXX. These are the frauds : Fraud with my XXXX account ending in XXXX XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$200.00} = {$4000.00} I filled fraud charges with the bank but was denied as they said it was an issue to be handled by XXXX. I called numerous times ranging from XX/XX/XXXX - XX/XX/XXXX. BofA denied the claim on XX/XX/XXXX. On XX/XX/XXXX I requested an appeal & faxed proof to XXXX. I was told this was a matter that had to be handled by the XXXX XXXX XXXX. When I was unable to reach anyone helpful on the phone I filed a fraud dispute through the XXXX website on XXXX reference number is # XXXX. I never received any response so I submitted a fraud complaint online again on XX/XX/XXXX, the reference number is XXXX & receipt number is XXXX. I also followed up with the Fraud Hotline # XXXX ( le` message XX/XX/XXXX ). Nobody ever returned my message. At the time I was not working and it was imperative that I be able to file for unemployment. This fraud created great distress for me and it was unbelievable that the agency involved offered no help. To make matters worse, I received a 1099 for the stolen funds and had to pay taxes on the stolen money.

I request that you please step in and help me with this matter. I have documents to support everything I explained above.

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 2024-05-15 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 wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning 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 2024-05-15 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:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX opened : XX/XX/year> amount : {$1100.00}. 
I tried many times to call this company, they did not respond.

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 2024-05-15 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: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow 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 non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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