vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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 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 2024-11-19 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: FC HoldCo LLC
State: FL

Complaint narrative:
In XX/XX/year>, I went to purchase a car and without my permission my credit was ran through multiple creditors who ran my credit multiple time causes me to have over XXXX credit inquiries. I did not give permission for any of these companies to run my credit

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 2024-11-19 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: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/year>, I went to purchase a car and without my permission my credit was ran through multiple creditors who ran my credit multiple time causes me to have over XXXX credit inquiries. I did not give permission for any of these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: DC

Complaint narrative:
I am filing a complaint regarding my closed account with Self Financial/Lead BA ( Account Number : XXXX ), which has been reported with 6 potentially negative months and a balance of {$310.00}. The account was opened on XX/XX/XXXX, and the status was updated in XX/XX/XXXX. I am experiencing significant financial hardship, which has made it impossible for me to pay the balance in full. 

I have attempted to resolve the issue directly with Self Financial/Lead BA but have been unable to come to an agreement. Given the current circumstances, I am unable to make a lump sum payment for the balance of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I noticed in early XXXX that my XX/XX/XXXX payment was not auto drafted. After doing some research I saw that my account was in forbearance when I had not requested such forbearance. I had been in repayment for the last year ( beginning XX/XX/XXXX ) and all of a sudden my account was put into a forbearance I had not requested. I made time to call Mohela on XX/XX/XXXX and was told that because of their new system it automatically put me in forbearance because I have a borrowers defense application with Dept of Education that was submitted in XX/XX/XXXX. I told Mohela that this should not be the case because Dept of Ed is aware that I asked NOT to be in forbearance which is evidenced by the fact that I had been paying for the last year and Mohela is on noticed that I do not want a forbearance on my account. I asked why was one placed when I did not request it. I asked that it be removed and be immediately placed back in repayment as I am pursuing PSLF and this is creating a bigger issue for me. Mohela removed the forbearance and I made a payment for XXXX and XX/XX/XXXX. A few weeks later, Mohela placed my account into forbearance again but this time backed dated it to XX/XX/XXXX even though I had called in a few weeks earlier to request NOT to be in forbearance. How is it that Mohela can backdate a forbearance that they have a record of me requesting not to be in. Moreover, they issued me a bill for XXXX immediately upon requesting the forbearance they had inappropriately placed to be lifted!? I confirmed with the Dept of Education that they did not ask Mohela to place me in forbearance and in fact there are several requests made to Mohela to NOT place my account in forbearance. Now none of my payments are counting from XXXX to date and they have not notified Dept of Ed that my loan have been taken out of forbearance and should never have been put in. I have called twice last week, on XX/XX/XXXX, XX/XX/XXXX. I was on hold for over four hours just to be told I needed to speak to a supervisor who never came on the line and the call was instead disconnected. Mohela is placing student loans into forbearance when such forbearance is documented to not be requested and when you call in to ask it to be removed they still dont remove it or they go back and place it again and dont notify Dept of Ed that the forbearance is lifted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 writing as a victim of a data breach and subsequent identity theft, and I am formally requesting that you block and delete all unauthorized accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
These accounts and inquiries are fraudulent and were opened or made without my knowledge or consent. I request your immediate attention to investigate and take the appropriate actions to ensure these are removed from my credit file. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX - {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$93.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} Fraudulent Inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Thank you for responding to my request. However, I would like to clarify some points regarding the payments you mentioned and provide additional context. 

Late Payments in XXXX : While you state that my XX/XX/XXXX payment was not received until XX/XX/XXXX, this delay resulted from the improper adjustment of my loan modification. Under the Real Estate Settlement Procedures Act ( RESPA ), loan modifications must be handled diligently to avoid confusion and inaccurate reporting. In this case, the failure to update the loan terms affected the accuracy of my credit report. 

XX/XX/XXXX Payment : Although you mentioned that my payment was received on XX/XX/XXXX, I must reiterate that I attempted to make the payment within the appropriate timeframe but encountered documented technical issues. These circumstances should be considered in good faith to amend the report. 

Credit Report Correction : Under the Fair Credit Reporting Act ( FCRA ), creditors must conduct a reasonable investigation when a consumer disputes the accuracy of a report to ensure the information is fair and precise. In this instance, the report does not accurately reflect the extraordinary circumstances that led to these delays. 

Therefore, I respectfully request the following : A thorough review of my case will be conducted to update the report, reflecting the exceptional circumstances detailed above. 
A comprehensive explanation of any actions taken following my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.

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 2024-11-19 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I mailed a cease-and-desist letter to LVNV Funding LLC, also known as Resurgent Capital Services, XXXX XX/XX/year>. This letter was delivered and received by them on XX/XX/year>, as confirmed by XXXX tracking number XXXX. In the letter, I requested that they cease all communication with me and remove the alleged account from my credit report. 

The account in question is identified as Account # XXXX Despite my request, LVNV Funding LLC has continued to report this alleged account on my credit report. This constitutes communication under the law and violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692cc and FDCPA Section 805 ( c ), LVNV Funding LLC is prohibited from communicating with me through any mediumincluding reporting the alleged debt on my credit reportafter receiving a written cease-and-desist request. 

Their failure to remove the item from my credit report violates the FCRAs requirement to ensure accurate and fair reporting. 

Furthermore, I have no knowledge of this alleged debt and have never conducted business with LVNV Funding LLC or Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Since XX/XX/XXXX I have not been able to access My checking and Saving accounts throug the online banking services and the app. Therefore since then I can not make transactions as tranfers, XXXX, wirhdrawals. The only let me use the checks and My debid card. Which is not fair since I AM a client since 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 2024-11-19 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-19 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, declare that I became aware of the existence of the following Navy Federal Credit Union accounts when I received a notification indicating that my Social Security number and other personal information had been compromised and was found on the dark web. This discovery alerted me to the possibility that my identity had been stolen and misused.

The Navy Federal Credit Union accounts in question, which I did not authorize, include : 1. Navy Federal Credit Union Status : Charged off, {$6400.00} written off 2. Navy Federal Credit Union Status : Charged off, {$1600.00} written off I did not open, authorize, or use either of the accounts listed above, nor did I consent to anyone else using my personal information to do so. These accounts were created or accessed fraudulently using my stolen identity.

I request an immediate investigation into these accounts and for them to be flagged as fraudulent. Please remove these accounts from my credit report and ensure that any balances or negative entries do not impact my credit score.

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