vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account number ending in XXXX XXXX. According to my records, this account has been paid in full, and I believe that its current status as a charge-off is not only inaccurate but also a violation of federal laws governing credit reporting. I ask that it be removed immediately. 




Federal Laws Supporting My Complaint 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report.

2. Section 623 of the FCRA : This section holds creditors accountable for reporting accurate information. Since I have fully paid this account, its designation as a charge-off is misleading and incorrect. 



3. Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, it is unlawful for any creditor to report inaccurate information regarding a consumer 's credit history. Reporting a paid charge-off violates this statute and may cause undue harm to my creditworthiness. 


This debt has been charged off by the original creditor XXXX XXXX XXXX XXXX, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed from my consumer report. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor.rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account package at PNC under a promotional offer to receive a {$400.00} reward after receiving {$5000.00} in direct deposits. The direct deposit requirement was met with a series of direct deposits from my employer, the last of which brought me over the {$5000.00} required amount on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I reached out via chat support to inquire about the status of the {$400.00} reward. I was told that it was under 24 months since the last time I received a reward, making me ineligible. However, the last promotional reward I received from PNC was on XX/XX/XXXXXXXX XXXX XXXX This new account was opened on XX/XX/XXXX, which is greater than 24 months since the last bonus was received. The terms of the promotion specifically state, " New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 12 months, or has been paid a PNC promotional premium in the past 24 months. '' I meet both of these requirements, along with the other requirements of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/24 I made a payment of {$42.00} toward my account via online payment. However, on that same day, I got charged a returned payment fee when they didn't even attempt to take the payment out despite the fact that there was more than enough for the payment to be processed. 

As a result, I was charged nsf and returned payment fees which I believe were unfairly applied due to the failure of the payment being processed correctly within the expected time frame. This has been a consistent pattern and when I tried to ask for an explanation as to why my payments were returned i was told that they couldn't tell me. 


Comenity willfully XXXX  over consumers and banks on the fact that they will not notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

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 2025-01-02 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Approximately XXXX weeks ago I called XXXX XXXX XXXX  to ask them to verify a debt ( {$960.00} ) that i found on my credit report. This is for a XXXX XXXX debt/account that i have no knowledge of but that was supposedly incurred about XXXX years ago ( buy that XXXX keeps refreshing every few months to make it look new ). I was assured that within XXXX days i would receive a letter in the mail with the specific information verifying the debt, but i havent received anything. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report free from inaccurate, outdated, or unauthorized information. Upon reviewing my recent credit report, I have identified several inquiries that I believe are either unauthorized or inaccurate and are affecting my credit score.

The inquiries in question are as follows : Rocket Mortgage on XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX I did not authorize these inquiries, nor did I initiate any action that would have led to a credit check by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-02 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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: TX

Complaint narrative:
My wife and I purchased a new vehicle from XXXX of XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX  The vehicle was financed through XXXX XXXX XXXX. After the transaction, we noticed that our credit reports were pulled twice on the same day, by XXXX of XXXX and XXXX XXXX XXXX. We contacted XXXX of XXXX to inquire about the double pull. Per the dealer, XXXX of XXXX does a hard credit check to " verify identity. '' This is purportedly separate from the hard credit check that XXXX XXXX XXXX does for financing. When I asked why XXXX XXXX XXXX could not have used the same credit report that the dealer had just pulled on the SAME day, less than an hour beforehand, the dealer simply told me that is its process. Independent of the fact that the dealer performing a hard inquiry does not seem necessary to verify identity, and potentially drops a consumer 's score prior to evaluation for financing by the XXXX XXXX, the double pull is negatively impacting our scores. While credit inquiries close in time are generally viewed by lenders as a single inquiry, that doesn't negative the fact that XXXX hard inquiry checks still lowers our scores.

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 2025-01-02 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: FL

Complaint narrative:
I have not received any response from the Bureaus even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. But unfortunaetly it has been over XXXX days and no accounts was updated.

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 2025-01-02 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
Since the XXXX XXXX in XXXX I was permanently laid off. 

I got a job in XXXX but was behind a year on the mortgage, was denied forbearance because they stated that I have exhausted my options for forbearance, in XXXX made several attempts for a loan modification was denied. Made XXXX attempts for a short sale was again denied by the lender, and made a final attempt to request a deed in lieu was denied that as well.

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 2025-01-02 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against PenFed Credit Union foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against PenFed Credit Union regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with PenFed for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, PenFed took the following actions that I believe are illegal and unethical : 1. **Sale of Debt to Collections** : PenFed sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

2. **Sale of Collateral** : PenFed sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

3. **Unjust Expectation of Payment** : After selling the vehicle and applying the sale proceeds, PenFed is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that PenFeds actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against PenFed for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - Police report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, 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 2025-01-02 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: FL

Complaint narrative:
XXXX XXXX sold my loan to Rushmore XXXX. Prior to this sale I had spent hours and hours back and forth with XXXX XXXX regarding the fact that I requested to stop escrow for taxes and insurance since the loan was more than half paid back. They agreed and issued me a refund of the escrow. When my insurer sent them the escrow notification they increased my payment to reflect the insurance amount. I again had to call numerous times to get the escrow removed again. The loan was sold to Rushmore Servicing and again I am being hit with an escrow for insurance thus increasing my monthly payment due. In an effort not to have to spend hours and hours again rehashing and requesting the same stop to the escrow and the increase in my monthly payment I tried calling Rushmore. After XXXX minutes of automated XXXX and although their written and automated system states they have agents available to help you I can not reach a human being. Their automated system just loops you back and forth never arriving at an agent. Rushmore automated systems can not process my request and it definitely can not stop the escrow process which is the issue. I need a human being from their insurance escrow department to call me and put a stop to any escrows from being added to my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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