vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-18 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: IN

Complaint narrative:
I opened a dispute with credit reporting agency regarding an incorrect reporting of late payment ( 30 days ) as submitted by a lender. The credit bureau did not provide proof of any such records of the investigation. There was no documentation to confirm - I know this because the lender has yet to complete their investigation into this same issue. The credit bureau provided no proof of the delinquency which is unlawful and unfair practice, does not protect the consumer at all!

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 2024-11-18 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: IN

Complaint narrative:
I opened a dispute with credit reporting agency regarding an incorrect reporting of late payment ( 30 days ) as submitted by a lender. The credit bureau did not provide proof of any such records of the investigation. There was no documentation to confirm - I know this because the lender has yet to complete their investigation into this same issue. The credit bureau provided no proof of the delinquency which is unlawful and unfair practice, does not protect the consumer at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I play on social sweepstakes casino websites. I purchase gold coin packages that give free sweepstakes entries to you with purchase. I bought several packages and then found out about a week later that the website was running as a lottery instead of a sweepstakes because they were not allowing their members access to an alternative method of entry or a sweepstakes policy. By law all sweepstakes has to allow this especially if they are going to allow purchase entries. If not then it would be considered a lottery which is illegal in the state of Georgia. I requested a refund from the website, XXXX, and stated the reason behind it. I never used ANY of the gold coins I purchased. A few hours after requesting a refund for all of my purchases my account with them was locked. I was told twice by the manager that their was no Alternative Method of Entry or sweepstakes posted on their site but sent me a copy and paste of it in chat. I told them that it was highly illegal for them to run a sweepstakes where that is not available for easy access to everyone because it would be a lottery ( gambling ) instead of an actual sweepstakes and in Georgia that was illegal. She told me basically oh well. I disputed all of this with plenty of evidence to support my side. I no longer had access to the gold coins I purchased and never played with, the site was operating illegally as a sweepstakes the entire time I was playing ( refund requested as soon as I became aware ), and I made several purchases to a product I didn't have access to. I even pointed out that they never even sent me order confirmations and how I reached out SEVERAL times about this and no one responded from their support email. I was scammed out of money and I have nothing to show for it because of all of this. I even filed a report with the FTC and with Georgia 's General Attorney. I disputed all of the transactions with Current Bank. One of my transactions was approved in my favor but the others were not which makes zero sense. Current finds that I was in the right with the dispute on one of them but denies the rest. Furthermore I sent in so many screenshots, screen records, etc showing that the site was a scam. It even changed addresses 3x during this entire thing. I was told from Current that they would sent in all of the evidence to the disputes team but when asked if it was received I didn't get an answer so I don't even know if they received evidence that was sent in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
The finance group wants to give the contractor remaining funds and work is nowhere near completions and funds already given for work not done like A/C and cabinets. The contractor procrastination through out this entire process has caused his cost issues. Funds that have been given for A/C and cabinets these items should be installed and they are not.

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 2024-11-18 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: IL

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 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 2024-11-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department XX/XX/XXXX I am writing to formally request an investigation into specific items on my credit report that I believe are reporting inaccurate or unverified information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I understand that I have the right to dispute any information on my credit report that I believe may be incomplete, inaccurate, or unverifiable.

The following items require your immediate attention : 1. Personal Information - Employers : XXXX XXXX XXXX XXXX - XXXX : XXXX XXXX XXXX. Accounts Reporting Potentially Inaccurate Information - XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX - XXXX Account Number : XXXX For each of these entries, I request that you verify the accuracy and completeness of every detail, including account ownership and reported status. If any of the information can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report in accordance with federal law. 

Additionally, I request a copy of my updated credit report reflecting the results of your investigation. Please also provide a list of all parties that accessed my credit file while these items were being reported. 

I expect a response within the legally mandated 30 days from the date you receive this letter. Please send your response and any related updates to the address listed above. 

Thank you for your time and assistance in resolving this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery continues to call me on a debt that passed the Florida statute of limitations 5 yrs ago. I have advised them of this on the last few phone calls and that I would be notifying the proper authorities and they CONTINUE to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: KS

Complaint narrative:
I have a payment plan set up with the debt holder. I was not notified that they debt was being transferred. I authorized the debt holder to automatically withdraw the agreed upon payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

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 2024-11-18 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2024-11-18 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: IL

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 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 2024-11-18 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: LA

Complaint narrative:
Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-18 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: VA

Complaint narrative:
Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( XXXX, EquiFax, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( XXXX, XXXX, and Experian ).

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 2024-11-18 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: NY

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Once the company received my loan from another company. Everything started going downhill. For 4 months starting in XXXX I made every payment on time. at {$1200.00} a month. In XXXX they jumped the price to {$1800.00} and made me have insufficent funds and got my account blocked from making payments now I have to do wire transfers until XXXX paying {$40.00} extra for each wire transfer. Now my payments are at {$1500.00} and still not have been able to pay. This is by far the worse company ever to have a mortgage with. They told me they listened to the audio calls and all though they were incorrect they told me all they could do is provide it as a training opportunity.

Company response to consumer: Closed with explanation