vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 2024-03-26 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:
Dear Experian, Thank you for your response to my complaint submitted through the CFPB Complaint Portal on XX/XX/2024. However, I believe your reinvestigation of the disputed items on my credit report was inadequate and failed to comply with your obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA is clear on your duties when a consumer disputes information on their credit report. Specifically, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) requires that you " review and consider all relevant information submitted by the consumer '' as part of your reinvestigation. I provided the bills which clearly shows that the information listed on the bills does NOT match the information you a listing. However, your generic response fails to address this evidence or explain how it was considered during your review process, as mandated by the statute. 

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if disputed information " can not be verified, the consumer reporting agency shall, as promptly as possible, delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. '' Your response claims the data furnisher verified the information but provides no details on how it was verified in light of the contrary proof I submitted. 

Your failure to conduct a reasonable reinvestigation that complies with the FCRA 's requirements is unacceptable. I demand that you initiate a new reinvestigation and, this time, meaningfully review and consider the evidence I have provided as the law requires. If after doing so you are still unable to independently verify the disputed information, you must promptly delete it from my credit file. 

Be advised that under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I have the right to bring a civil action against Experian for willful or negligent noncompliance with the FCRA. If a proper reinvestigation is not conducted and the disputed items are not corrected or removed, I will not hesitate to pursue all available legal remedies. 

I expect a response detailing the results of a lawful reinvestigation as soon as possible. Your continued compliance with the FCRA in handling this dispute is required. 

V/r

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 2024-03-26 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: PA

Complaint narrative:
As per FCRA 605B, it's imperative to expunge any erroneous entries from my credit report. Could you verify the documents? Some of the listed accounts exhibit inaccuracies in 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NC

Complaint narrative:
I noticed an inquiry listed from credit report and I have no recollection of authorizing or initiating this inquiry, and therefore, I believe it to be unauthorized.

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 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Providing out dated information for any request requested by to the company. 

I have requested a PMI cancellation and paid for the appraisal that was ordered by Domvenmuehle Mortgage. I have received the appraisal report [ XXXX XXXX XXXXXXXX ] on XX/XX/2024 that was ordered by DMI appraised at $ XXXX and found out that it is done incorrectly. Hence a dispute was filled against the evaluation. After the dispute was re-evaluated and an updated appraisal was completed on XX/XX/2024 provided [ XXXX XXXX XXXX ] by Domvenmuehle Mortgage, appraised at $ XXXX. 

But when checking to see the status of PMI cancellation [ XXXX - XX/XX/XXXX XXXX ] the corrected appraisal was not shared/considered for PMI cancellation. I have an outstanding principal balance of $ XXXX ( as of XXXX XXXX ) which is less than XXXX XXXX of $ XXXX i.e. XXXX so I would not have to pay my PMI anymore. 

Seems like there is a miscommunication between the team within the same company and not all updated information is being shared across teams. I would really appreciate it if this can be resolved and a PMI can be cancelled on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-26 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: TX

Complaint narrative:
Accounts were removed from Experian but remain on XXXX and/or XXXX. 
Account 1 : Removed from Experian on or around XX/XX/2024 but remains on XXXX and XXXX. 
Account 2 : Removed from Experian and XXXX on or around XX/XX/2024 but remains on XXXX. 
Account 3 : Removed from Experian and XXXX on or around XX/XX/2024 but remains on XXXX. 
Account 4 : Removed from Experian but remains on XXXX and 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 2024-03-26 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: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-03-26 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for student loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, EdFinancial, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the PPSL. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, XXXX, XXXX ) have all failed to remove the federal student loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my federal student loans, full discharge of my federal student loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute a late payment that was reported on my credit card account. I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I did not authorize following hard inquiries XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX ( XXXXtimes )

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 2024-03-26 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: PRIMARY RESIDENTIAL MORTGAGE
State: UT

Complaint narrative:
In XXXX XXXX XXXX, by their own admission, PRMI drafted automatic payments early which resulted in a bounced payment on my end. In XXXX XXXX XXXX I had some unexpected medical payments and was late in paying my mortgage, & subsequently bounced twice doing so. Because of these XXXX bounced payments, my mortgage was put into default and I was forced to pay by money order or cashier 's check for the future until it was determined I could return to normal payment methods ( after XXXX  months assuming no further issues ).
During this time, I started paying extra toward my mortgage, to be held in suspense to apply toward future payments, in order to ( hopefully ) resolve this issue more quickly and return to some degree of normalcy. I was informed that this was acceptable, & notes were made within my account acknowledging how the payment team should process these extra funds. Despite this, they kept applying extra funds toward principal which required my having to repeatedly sort out the issue with their customer service teams. I would also receive conflicting messages & mailings from other ( assumedly automated ) aspects of the company that would contradict what I was being told by their agents, leading to further confusion & missteps. Late and transactional fees would be applied, then ( sometimes ) removed after realizing their mistakes. Getting consistent, quality information from someone beyond the role of customer service agent ( who, individually, were all helpful and understanding ) to actually solve the problems I was having was very difficult. Upon discovering their responsibility in the payment issue that was in part responsible for creating this situation, they made no notice to me beyond a short, solitary letter with instructions to reach out to them about any
incurred fees. I have spent a XXXX  XXXX dollars in fees and about XXXX hours of my own time over the past XXXX  months dealing with these issues, with little accountability or willing to correct on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
Accounts were removed from XXXX but remain on XXXX and/or Transunion. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on XXXX and Transunion. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX but remains on XXXX and Transunion.

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 2024-03-26 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: TX

Complaint narrative:
Accounts were removed from XXXX but remain on Equifax and/or XXXX. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on Equifax and XXXX. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX but remains on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-26 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: CT

Complaint narrative:
I am requesting for an immediate removal of a hard inquiry that appears on my credit report. Upon reviewing my credit report I discovered an inquiry that I did not authorize or recognize.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called CitiBank in XXXX to close my account. They asked why, and I said I didn't feel the rewards were worth the fee. 

They offered me a promotion : To refund {$99.00} if I spend {$100.00} in 30 days. I told them I did not have the card on hand and would need a new card sent to me in order to do this. I was NOT living at home I provided my at-the-time current XXXX address. They confirmed and re-confirmed many times and said that the card was being shipped to my XXXX address. I then agreed to the terms. 

The card never came. I called in XXXX, after the fee hit, and I informed them the card did not ever come. They told me it had and it was not their responsibility. I told them that there was no way the card was delivered to the right address. They assured me it was. 

I returned in XXXX to US. Low and behold, the card was at my OHIO address. This is a violation of the terms I agreed to. I clearly stated that I needed a physical card to spend. I clearly stated my XXXX address and was told the card was being mailed to XXXX. They never sent it to XXXX, they sent it to Ohio. 

I am beyond outraged I was going to close my card but then kept it open, and now I have {$99.00} fee that I never wanted. I called and spoke to XXXX on XX/XX/XXXX at XXXX ET. He refused to help me. He refused to give me any additional information. He said there was no way to credit my account and there was no one that he could pass me to anyone else. The agreement was unfair and deceptive. You can not tell a customer that they will get a fee refund and then purposefully send the card to the wrong address, knowing I wouldn't be able to spend with it.

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 monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute a late payment that was reported on my credit card account. I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous entries from my credit report. Can you verify the papers? Several accounts listed are not reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
See FTC report I have attached with fraudulent unauthorized inquiries

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